405 Sanctuary Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 405 Sanctuary Dr, Key Largo, FL 33037

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,348 sqft · built 1991
Lot Size	0.636 acres (27,732 sqft)
Owner	Individual Name on File
Last Sale	$850,000 (Oct 2025)
Tax Bill	$5,353 (2024)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Nov 2020 Transfer
Flood Zone	Zone AE (high risk)
APN	`00523382-000405`

Property Details

APN / Parcel Number

Primary APN	`00523382-000405`
Alternative APN	`8783850`

Interior

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

Exterior

Year Built	Built 1991
Lot Area	27,732 sqft

Location & Zoning

Account Number	8783850
Street Address	405 SANCTUARY DR
City	KEY LARGO
State	FL
Zip	33037-2466
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	THE SANCTUARY AT KEY LARGO NO 4, A CONDO UNIT 405 & 11.10% COMMON ELEMENTS OR1139-2051 OR1324-260/62 OR1626-454
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

405 Sanctuary Dr, a condominium, is owned by an individual who bought it in October 2025.

Source: Monroe County records, as of December 5, 2025

Owner of Record	Individual Name on File
Mailing Address	100 SANCTUARY DR # 405, 405, KEY LARGO, FL 33037-2467
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2025	Warranty Deed, Transfer · Conventional Mortgage UBS BANK USA
Nov 19, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2025 · Amount on File
Deed Sale	Oct 10, 2025 · Amount on File
Prior Sale	Nov 19, 2020
Deed Document Number	2518363
Deed Book / Page	3348 / 2037
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 10, 2025
Property Address	405 SANCTUARY DR, KEY LARGO, FL 33037-2466
Document Number	0033482037
Book / Page	3348 / 2037
Map Reference	MB 1137 PG 1682
Instrument Date	Oct 10, 2025
Instrument	2518363
Transaction Type	Transfer
Record Updated	Oct 31, 2025
Title Company	CORAL REEF TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1125 FALLBROOK LN, LEWISVILLE, NC 27023-8667

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 SANCTUARY DR # 405, 405, KEY LARGO, FL 33037-2467

Mortgage

Document Number	0033482039
Date	Oct 10, 2025
Instrument	3348/2039

Lender

Name	UBS BANK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Nov 1, 2028
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.5%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.5%

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Nov 19, 2020
Property Address	405 SANCTUARY DR # 405, 405, KEY LARGO, FL 33037-2466
Document Number	0030571530
Book / Page	003057 / 001530
Instrument Date	Oct 29, 2020
Instrument	2291382
Transaction Type	Transfer
Record Updated	Dec 8, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1125 FALLBROOK LN LEWISVILLE NC 270238667, LEWISVILLE, NC 27023-8667

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$666,622 (-) Building $666,622	$666,622 (-) Building $666,622
2024	$5,353.00 (+8.14%)	$666,622 (+5.46%) Building $666,622	$666,622 (+5.46%) Building $666,622
2023	$4,950.00 (+19.42%)	$632,114 (+32.06%) Building $632,114	$632,114 (+32.06%) Building $632,114
2022	$4,145.00	$478,655 Building $478,655	$478,655 Building $478,655

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

Flood

FEMA maps place 405 Sanctuary Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 405 Sanctuary Dr is low, with a 0.02% annual chance of 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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