405 3rd St, Key Largo, FL 33037 Property Records

Monroe County property record for 405 3rd St, Key Largo, FL 33037 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,352 sqft · built 1992
Lot Size	0.276 acres (12,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,908 (2024)
Deeds & Mortgages	May 2020 Transfer
Flood Zone	Zone AE (high risk)
APN	`00474600-000000`

Property Details

APN / Parcel Number

Primary APN	`00474600-000000`
Alternative APNs	`11613900474600000000` `1581712`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,352 sqft Living Area
1st Floor Area	1,814 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	12,000 sqft (0.276 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Covered
Garage Area	1,516 sqft
Porch	Florida Room
Porch Area	608 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1581712
Street Address	405 3RD ST
City	KEY LARGO
State	FL
Zip	33037
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 4 LTS 14-15 LARGO SOUND VILLAGE KEY LARGO PB4-92 OR266-558/59 OR343-567 OR618-298 OR721-569 OR741-485 OR786-1489 OR998-1550/51 OR1003-2014/17 OR1142-2125AFF OR1142-2126 OR1165-1577 OR1585-317 OR2288-1111AFF OR2288-1112AFF OR2340-1296/97 OR2464-77R
Legal Range	39E
Legal Township	61S
Legal Section	11
Legal Subdivision	LARGO SOUND VILLAGE
Legal Block	4
Legal Lot Number	14-15
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1036
Census Tract	972700

Owner

Source: Monroe County records · APN 00474600-000000

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	2 Individual Names on File
Mailing Address	6500 N TALMAN AVE, CHICAGO, IL 60645-5326
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 13, 2020
Deed Sale	May 13, 2020
Prior Sale	May 04, 2010 · Amount on Record
Deed Document Number	20202265811
Deed Book / Page	3022 / 197
Prior Transfer Date	Apr 23, 2020
Prior Transfer Doc	0030220197
Record Updated	Jun 08, 2026

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	May 13, 2020
Property Address	405 3RD ST, KEY LARGO, FL 33037
Document Number	0030220197
Book / Page	003022 / 000197
Instrument Date	Apr 23, 2020
Instrument	2265811
Transaction Type	Transfer
Record Updated	Jul 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6500 N TALMAN AVE CHICAGO IL 606455326, CHICAGO, IL 60645-5326

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		$900,836 (+2.64%) Land $505,500 Building $395,336	$900,836 (+2.64%) Land $505,500 Building $395,336
2024	$6,908.00 (+8.09%)
2023	$6,391.00 (+11.23%)	$877,645 (+6.93%) Land $532,500 Building $345,145	$877,645 (+6.93%) Land $532,500 Building $345,145
2022	$5,746.00	$820,741 Land $472,500 Building $348,241	$820,741 Land $472,500 Building $348,241

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 AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	8.0 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.