40 Snapper Ave, Key Largo, FL 33037 Property Records

Monroe County property record for 40 Snapper Ave, Key Largo, FL 33037 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 2006
Square Footage	1,146 sqft Living Area
Lot Size	5,125 sqft (0.118 acres)
Occupancy	Owner Occupied
Last Sale	$85,000 (1993)
Tax Bill	$1,614.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`00472340-000000`
Alternative APNs	`14613900472340000000` `1579505`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Building Area	1,146 sqft Living Area
1st Floor	1,146 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Terrazzo Flooring
Interior Structure	Plywood Interior Structure

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2006
Exterior Material	Concrete Block Exterior
Construction Type	Concrete Blocks Construction
Roof Construction	Geodesic/Dome Roof Construction
Roof Material	Concrete Roof
Lot Area	5,125 sqft (0.118 acres)
Deck Area	174 sqft Deck
Patio Area	270 sqft Patio
Porch Area	276 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Account Number	1579505
Street Address	40 SNAPPER AVE
City	KEY LARGO
State	FL
Zip	33037-4705
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	BK 10 LT 18 LARGO SOUND PARK PB3-111 KEY LARGO OR216-77-83 OR896-2076/2077 OR1022-1638P/R OR1175-1666/69WILL OR1196-1040/41PR OR1200-799 OR1249-967 OR1764-2067Q/C
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	LARGO SOUND PARK
Legal Block	10
Legal Lot Number	18
Jurisdiction	MONROE FL
Minor Civil Division	UPPER KEYS
Census Blockgroup	4
Census Block	4021
Census Tract	970400

Owner

Source: Monroe County records · APN 00472340-000000

Assessment roll updated December 8, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	40 SNAPPER AVE, KEY LARGO, FL 33037-4705
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 01, 1993 · Amount on Record
Deed Sale	Mar 01, 1993 · Amount on Record
Deed Book / Page	1249 / 967
Record Refreshed	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Recording Date	Jun 26, 2026
Property Address	40 SNAPPER AVE, KEY LARGO, FL 33037-4705
Document Number	0002549085
Book / Page	3388 / 889
Instrument Date	Jun 12, 2026
Instrument	20262549085
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 SNAPPER AVE, KEY LARGO, FL 33037-4705

Mortgage

Document Number	0002549085,
Date	Jun 26, 2026
Book Page	3388/889
Instrument	20262549085

Lender

Name	FIRST HORIZON BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate	-1%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,614.00 (+4.2%) Homeowner's exemption	$135,731 (+5.99%)	$458,690 (-0.99%) Land $274,495 Building $184,195
2024	$1,549.00 (+7.57%)
2023	$1,440.00 (+3.9%) Homeowner's exemption	$128,065 (+3%)	$463,290 (+10.49%) Land $290,331 Building $172,959
2022	$1,386.00 Homeowner's exemption	$124,335	$419,317 Land $237,544 Building $181,773

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.