401 Coconut Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 401 Coconut Dr, Key Largo, FL 33037 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 943 sqft · built 1957
Lot Size	0.128 acres (5,560 sqft)
Owner	Individual Name on File
Last Sale	$570,000 (Aug 2023)
Tax Bill	$4,975 (2024)
Deeds & Mortgages	Aug 2023 Sale Aug 2021 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00492460-000000`

Property Details

APN / Parcel Number

Primary APN	`00492460-000000`
Alternative APNs	`14623800492460000000` `1608653`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	943 sqft Living Area
1st Floor Area	943 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,560 sqft (0.128 acres)

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	47 sqft
Deck Area	204 sqft
Patio Area	308 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1608653
Street Address	401 COCONUT DR
City	KEY LARGO
State	FL
Zip	33037-3803
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1 LT 1 AND PT LT 8 BK 3 (PARCEL A) SEASIDE PB2-10 SEASIDE ADDITION NO 1 KEY LARGO PB3-59 OR356-486 OR888-2107 OR888-2108 OR888-2104 OR1067-551 OR1172-1631 OR1348-1472 OR1348-753 OR1528-1626 OR1560-1123 OR1678-2397 OR2438-485 OR2591-1673 OR2621-245
Legal Range	38E
Legal Township	62S
Legal Section	14
Legal Subdivision	SEASIDE 1ST ADD
Legal Block	1
Legal Lot Number	1,8
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1025
Census Tract	970600

Owner

Source: Monroe County records · APN 00492460-000000

Assessment roll updated December 8, 2025 · Last verified April 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	2165 SW 10TH ST, MIAMI, FL 33135-5037
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2023	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Aug 16, 2021	Warranty Deed, Transfer · FHA Mortgage ALL WESTERN MORTGAGE INC
Nov 30, 2020	Deed of Trust, Mortgage FLAGSHIP FIN'L
May 21, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 25, 2023 · Amount on Record
Deed Sale	Aug 25, 2023 · Amount on Record
Prior Sale	Aug 16, 2021 · Amount on Record
Deed Document Number	20232429867
Deed Book / Page	3240 / 474
Prior Transfer Date	Apr 01, 2013
Prior Transfer Doc	0026210245
Record Updated	Jun 08, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 25, 2023
Property Address	401 COCONUT DR, KEY LARGO, FL 33037-3803
Document Number	0032400474
Book / Page	3240 / 474
Instrument Date	Aug 16, 2023
Instrument	2429867
Transaction Type	Transfer
Record Updated	Sep 19, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$3,990.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	524 SWALLOW CV, BOULDER CITY, NV 89005-1122

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2165 SW 10TH ST, MIAMI, FL 33135-5037

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 16, 2021
Property Address	401 COCONUT DR, KEY LARGO, FL 33037-3803
Document Number	0031191749
Book / Page	3119 / 1749
Map Reference	MB 3 PG 59
Instrument Date	Aug 13, 2021
Instrument	2335285
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	CORAL REEF TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,744.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19 SAND LAKE AVE SW, 19, BAGLEY, MN 56621-8734

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	401 COCONUT DR, KEY LARGO, FL 33037-3803

Mortgage

Document Number	31191751
Date	Aug 16, 2021
Instrument	3119/1751

Lender

Name	ALL WESTERN MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	401 COCONUT DR, KEY LARGO, FL 33037-3803
Document Number	0030652207
Instrument Date	Nov 30, 2020
Transaction Type	Mortgage
Record Updated	Jan 21, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	401 COCONUT DR KEY LARGO FL 330373803, KEY LARGO, FL 33037-3803

Mortgage

Document Number	0030652207
Date	Dec 29, 2020
Book Page	003065/002207
Instrument	2297051

Lender

Name	FLAGSHIP FIN'L
Type	Funding / Finance Company
Address	8870 W OAKLAND PARK BLVD, SUNRISE, FL 33351-7215

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Dec 28, 2022

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 21, 2018
Property Address	401 COCONUT DR, KEY LARGO, FL 33037-3803
Document Number	0029072003
Book / Page	002907 / 002003
Instrument Date	May 18, 2018
Instrument	2170019
Transaction Type	Transfer
Record Updated	Jun 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,023.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 COCONUT DR KEY LARGO FL 330373803, KEY LARGO, FL 33037-3803

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 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		$400,066 (-9.84%) Land $250,867 Building $149,199	$400,066 (-27.04%) Land $250,867 Building $149,199
2024	$4,975.00 (+20.4%)
2023	$4,132.00 (+2.56%) Senior Citizen's exemption	$443,729 (+3%)	$548,352 (+27.29%) Land $418,112 Building $130,240
2022	$4,029.00 Senior Citizen's exemption	$430,805 Land $300,518 Building $130,287	$430,805 Land $300,518 Building $130,287

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879706001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 272 individual NFIP policies nearby
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	272 in force
Nearby Flood Claims	100 (1981–2024)
Claims Outside the SFHA	9 of 100
Most Recent Claim	May 2024, rainfall accumulation
Claims By Storm	Hurricane Irma, Sep 2017 · 42 claims Hurricane Wilma, Oct 2005 · 37 claims Hurricane Andrew, Aug 1992 · 4 claims

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 168 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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