40 Hibiscus Ln, Key Largo, FL 33037 Property Records

Monroe County property record for 40 Hibiscus Ln, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,305 sqft · built 2021
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$595,000 (Apr 2023)
Tax Bill	$4,775 (2024)
Deeds & Mortgages	Apr 2023 Mortgage Apr 2023 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`00507950-000000`

Property Details

APN / Parcel Number

Primary APN	`00507950-000000`
Alternative APNs	`27613900507950000000` `1625779`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,305 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Other
Foundation Type	Slab (Mat/Raft)
Roof Type	Reinforced Concrete
Roof Material	Other
Lot Area	7,000 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	1625779
Old Parcel Number	27613900507950000000
Street Address	40 HIBISCUS LN
City	KEY LARGO
State	FL
Zip	33037-4545
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 3 LT 20 HIBISCUS PARK PB3-166 KEY LARGO OR345-190-191 OR1040-2483/2485 OR1208-131QC OR1209-2011 OR2840-1764/65 OR3221-1579
Legal Range	39E
Legal Township	61S
Legal Section	27
Legal Subdivision	HIBISCUS PARK
Legal Block	3
Legal Lot Number	20
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2011
Census Tract	970400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within John Pennekamp Coral Reef State Park and Reserve listed 1972 · 10 contributing resources · NRIS 72000340

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

40 Hibiscus Ln is owned and occupied by an individual who bought it in April 2023.

Source: Monroe County records, as of December 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	40 HIBISCUS LN, KEY LARGO, FL 33037-4545
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2023	Deed of Trust, Mortgage · Conventional Mortgage 1ST FINANCIAL INC
Apr 20, 2023	Warranty Deed, Transfer COMPLETE CHOICE TITLE SERVICES, COMPLETE CHOICE TTL SVCS INC
Feb 24, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2023 · Amount on File
Deed Sale	Apr 20, 2023 · Amount on File
Prior Sale	Feb 24, 2017 · Amount on File
Deed Document Number	2414830
Deed Book / Page	3221 / 1579
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	40 HIBISCUS LN, KEY LARGO, FL 33037-4545
Transaction Type	Mortgage
Record Updated	Jan 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 HAMMOCKS TRL 1113, 1113, KEY LARGO, FL 33037-4855

Mortgage

Document Number	0032211582
Date	Apr 20, 2023
Book Page	3221/1582
Instrument	2414831

Lender

Name	1ST FINANCIAL INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 20, 2023
Property Address	40 HIBISCUS LN, KEY LARGO, FL 33037-4545
Document Number	0032211579
Book / Page	3221 / 1579
Map Reference	MB 3 PG 166
Instrument Date	Apr 10, 2023
Instrument	2414830
Transaction Type	Transfer
Record Updated	Jun 21, 2023
Title Company	COMPLETE CHOICE TITLE SERVICES, COMPLETE CHOICE TTL SVCS INC

Transaction

Amount	Amount on Record
Tax	$4,165.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101075 OVERSEAS HWY, KEY LARGO, FL 33037-4540

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 HIBISCUS LN, KEY LARGO, FL 33037

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 24, 2017
Property Address	40 HIBISCUS LN, KEY LARGO, FL 33037-4545
Document Number	0028401764
Book / Page	002840 / 001764
Instrument Date	Feb 24, 2017
Instrument	2111774
Transaction Type	Transfer
Record Updated	May 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$367.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	101075 OVERSEAS HWY KEY LARGO FL 330374540, KEY LARGO, FL 33037-4540

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$481,988 Land $148,750 Building $333,238	$481,988 Land $148,750 Building $333,238
2024	$4,775.00 (+28.15%)
2023	$3,726.00 (+17.28%)	$462,010 (+31.22%) Land $171,500 Building $290,510	$462,010 (+31.22%) Land $171,500 Building $290,510
2022	$3,177.00	$352,091 Land $112,000 Building $240,091	$352,091 Land $112,000 Building $240,091

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 40 Hibiscus Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 245 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	245 in force
Nearby Flood Claims	161 (1992–2023)
Claims Outside the SFHA	6 of 161
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 91 claims Hurricane Irene, Oct 1999 · 31 claims Hurricane Georges, Sep 1998 · 11 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 40 Hibiscus Ln is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Verizon.

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