Monroe County property record for 403 3rd St, Key Largo, FL 33037 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,586 sqft · built 1979 |
| Lot Size | 0.137 acres (6,000 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $186,000 (Mar 1998) |
| Tax Bill | $2,917 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00474590-000000 |
| Primary APN | 00474590-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,586 sqft Living Area |
| 1st Floor Area | 2,218 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Reinforced Concrete |
| Roof Material | Other |
| Lot Area | 6,000 sqft (0.137 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 1,141 sqft |
| Deck Area | 456 sqft |
| Patio Area | 1,016 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1581704 |
|---|---|
| Old Parcel Number | 11613900474590000000 |
| Street Address | 403 3RD ST |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 4 LT 13 LARGO SOUND VILLAGE KEY LARGO PB4-92 OR247-73/74 OR764-115 OR764-117 OR796-2046 OR1411-1680ORD CASE96-20242-FR-31 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 11 |
| Legal Subdivision | LARGO SOUND VILLAGE |
| Legal Block | 4 |
| Legal Lot Number | 13 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 972700 |
Source: Monroe County records · APN 00474590-000000
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 403 3RD ST, KEY LARGO, FL 33037-4828 |
| Occupancy | Owner Occupied |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 20, 1998 · Amount on Record |
| Deed Sale | Mar 20, 1998 · Amount on Record |
| Prior Sale | Aug 18, 1997 · Amount on Record |
| Deed Document Number | 0150500042 |
| Deed Book / Page | 01505 / 00042 |
| Record Updated | Jun 08, 2026 |
Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
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 | $314,201 (+5.99%) | $748,921 (+0.16%) Land $312,000 Building $436,921 | |
| 2024 | $2,917.00 (+5.08%) | ||
| 2023 | $2,776.00 (+5.27%) Homeowner's exemption | $296,453 (+3%) | $747,711 (+8.48%) Land $330,000 Building $417,711 |
| 2022 | $2,637.00 Homeowner's exemption | $287,819 | $689,240 Land $270,000 Building $419,240 |
Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879727001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| 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 225 individual NFIP policies nearby |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 225 in force |
| Nearby Flood Claims | 29 (2017–2023) |
| Most Recent Claim | Nov 2023, rainfall accumulation |
| Claims By Storm |
|
| 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.
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 178 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 |
| AT&T | DSL | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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