405 Thumper Thoroughfare, Key Largo, FL 33037 Property Records

Monroe County property record for 405 Thumper Thoroughfare, Key Largo, FL 33037 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,200 sqft · built 2002
Lot Size	0.083 acres (3,600 sqft)
Owner	2 Company Names on File
Last Sale	$98,400 (Feb 2019)
Tax Bill	$6,204 (2024)
Deeds & Mortgages	Jan 2020 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00486790-000000`

Property Details

APN / Parcel Number

Primary APN	`00486790-000000`
Alternative APNs	`12623800486790000000` `1596345`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,200 sqft Living Area
Gross Area	1,500 sqft
1st Floor Area	1,200 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2012
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,600 sqft (0.083 acres)
Lot Dimensions	90 ft deep x 40 ft wide
View / Lot	Canal
Garage Type	Attached
Garage Area	300 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	432 sqft
Deck Area	Deck Area
Patio Area	250 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1596345
Street Address	405 THUMPER THOROUGHFARE
City	KEY LARGO
State	FL
Zip	33037-3906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 78 WYNKEN BLYNKEN & NOD ESTATES PB5-97 OR541-216 OR770-307 OR796-551 OR831-528 OR1216-1337 OR2949-1150 OR3305-1309
Legal Range	38E
Legal Township	62S
Legal Section	12
Legal Subdivision	WYNKEN-BLYNKEN & NOD EST
Legal Lot Number	78
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2004
Census Tract	970600

Owner

Source: Monroe County records · APN 00486790-000000

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 Company Names on File
Mailing Address	405 THUMPER THOROUGHFARE, KEY LARGO, FL 33037-3906
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 08, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Feb 15, 2019	Quit Claim Deed, Transfer LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 15, 2019 · Amount on Record
Deed Sale	Feb 15, 2019 · Amount on Record
Prior Sale	Jun 01, 1992 · Amount on Record
Deed Document Number	20192206927
Deed Book / Page	2949 / 1150
Last Transfer Date	Dec 26, 2024
Transfer Doc	0033051309
Record Updated	Jun 08, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	405 THUMPER THOROUGHFARE, KEY LARGO, FL 33037-3906
Document Number	0030050001
Instrument Date	Jan 08, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	123 COACHMANS TRL ASHEVILLE NC 288039411, ASHEVILLE, NC 28803-9411

Mortgage

Document Number	0030050001
Date	Jan 23, 2020
Book Page	003005/000001
Instrument	2253051

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 22, 2050

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Feb 15, 2019
Property Address	405 THUMPER THOROUGHFARE, KEY LARGO, FL 33037-3906
Document Number	0029491150
Book / Page	002949 / 001150
Instrument Date	Feb 07, 2019
Instrument	2206927
Transaction Type	Transfer
Record Updated	Mar 18, 2019
Title Company	CLOSING USA LLC

Transaction

Amount	Amount Recorded
Tax	$688.77
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	123 COACHMANS TRL ASHEVILLE NC 288039411, ASHEVILLE, NC 28803-9411

Mortgage

Document Number	29491154
Date	Feb 15, 2019
Book Page	002949/001154
Instrument	2206928

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 14, 2049

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		$747,107 (-13.21%) Land $450,000 Building $297,107	$747,107 (-13.21%) Land $450,000 Building $297,107
2024	$6,204.00 (+2.38%)
2023	$6,060.00 (+22.5%)	$860,795 (+40.47%) Land $604,800 Building $255,995	$860,795 (+40.47%) Land $604,800 Building $255,995
2022	$4,947.00	$612,804 Land $352,800 Building $260,004	$612,804 Land $352,800 Building $260,004

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 120879706002, 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 425 individual NFIP policies nearby
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	957 units insured 532 under condo master policies
Nearby Flood Claims	227 (1982–2022)
Claims Outside the SFHA	13 of 227
Most Recent Claim	Sep 2022, other causes, Hurricane Ian
Claims By Storm	Hurricane Irma, Sep 2017 · 156 claims Hurricane Irene, Oct 1999 · 11 claims Hurricane Georges, Sep 1998 · 30 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 257 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Hotwire Communications	Fiber	8,000 / 8,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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