403 Sanctuary Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 403 Sanctuary Dr, Key Largo, FL 33037

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,348 sqft · built 1991
Lot Size	0.637 acres (27,732 sqft)
Owner	Company Name on Record
Last Sale	$600,000 (Feb 2020)
Tax Bill	$6,145 (2024)
Deeds & Mortgages	Sep 2022 Transfer Feb 2020 Sale + 3 more
Flood Zone	Zone AE (high risk)
APN	`00523382-000403`

Property Details

APN / Parcel Number

Primary APN	`00523382-000403`
Alternative APNs	`28613900523382000403` `8783833`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,348 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Condo/Apartment
Lot Area	27,732 sqft (0.637 acres)

Location & Zoning

Account Number	8783833
Street Address	403 SANCTUARY DR
City	KEY LARGO
State	FL
Zip	33037-2466
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	IS
Legal Description	THE SANCTUARY AT KEY LARGO NO 4, A CONDO UNIT 403 OR1138-482 OR1360-851/52 OR2138-2066/67 OR2984-1763 OR2984-1768 OR3008-165D/C OR3008-0162 OR3195-0584
Legal Range	39E
Legal Township	61S
Legal Section	28
Legal Subdivision	SANCTUARY AT KEY LARGO 04
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1001
Census Tract	970500

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

Source: Monroe County records, as of December 8, 2025

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

Owner of Record	Company Name on Record
Mailing Address	12801 TROTTER BLVD, DAVIE, FL 33330-4314
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Feb 11, 2020	Grant Deed, Transfer ATTORNEY ONLY
Oct 8, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
Sep 13, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 13, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2020 · Amount on Record
Deed Sale	Feb 11, 2020 · Amount on Record
Prior Sale	Jul 5, 1995 · Amount on Record
Deed Document Number	20202255457
Deed Book / Page	3008 / 162
Last Transfer Date	Sep 9, 2022
Transfer Doc	0031950584
Record Updated	Sep 20, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Sep 22, 2022
Property Address	403 SANCTUARY DR, KEY LARGO, FL 33037-2466
Document Number	0031950584
Book / Page	3195 / 584
Map Reference	MB 1137 PGF 1682
Instrument Date	Sep 19, 2022
Instrument	2392339
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12801 TROTTER BLVD, 12801, DAVIE, FL 33330-4314

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	12801 TROTTER BLVD, DAVIE, FL 33330-4314

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE FL
Recording Date	Feb 11, 2020
Property Address	403 SANCTUARY DR, KEY LARGO, FL 33037-2466
Document Number	0030080162
Book / Page	003008 / 000162
Instrument Date	Feb 10, 2020
Instrument	2255457
Transaction Type	Transfer
Record Updated	Mar 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$4,200.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	403 SANCTUARY DR KEY LARGO FL 330372466, KEY LARGO, FL 33037-2466

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	403 SANCTUARY DR, KEY LARGO, FL 33037-2466
Document Number	0029990657
Instrument Date	Oct 8, 2019
Transaction Type	Mortgage
Record Updated	Jan 16, 2020
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7350 LOCH NESS DR MIAMI LAKES FL 330146010, MIAMI LAKES, FL 33014-6010

Mortgage

Document Number	0029990657
Date	Dec 16, 2019
Book Page	002999/000657
Instrument	2248500

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 15, 2044

Interest

Rate Type	Adjustable Rate

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Sep 13, 2019
Property Address	403 SANCTUARY DR, KEY LARGO, FL 33037-2466
Document Number	0029841763
Book / Page	002984 / 001763
Instrument Date	Sep 12, 2019
Instrument	2236563
Transaction Type	Transfer
Record Updated	Oct 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7350 LOCH NESS DR MIAMI LAKES FL 330146010, MIAMI LAKES, FL 33014-6010

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Sep 13, 2019
Property Address	403 SANCTUARY DR, KEY LARGO, FL 33037-2466
Document Number	0029841768
Book / Page	002984 / 001768
Instrument Date	Sep 12, 2019
Instrument	2236565
Transaction Type	Transfer
Record Updated	Oct 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	7350 LOCH NESS DR MIAMI LAKES FL 330146010, MIAMI LAKES, FL 33014-6010

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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		$775,838 (+3.75%) Building $775,838	$775,838 (+3.75%) Building $775,838
2024	$6,145.00 (+7.04%)
2023	$5,741.00 (+19.83%)	$747,822 (+32%) Building $747,822	$747,822 (+32%) Building $747,822
2022	$4,791.00	$566,527 Building $566,527	$566,527 Building $566,527

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

Flood

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	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 177 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	204 units insured incl. 27 condo units
Nearby Flood Claims	50 (1984–2025)
Claims Outside the SFHA	8 of 50
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims Hurricane Wilma, Oct 2005 · 20 claims Hurricane Georges, Sep 1998 · 9 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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