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406 Coconut Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 406 Coconut Dr, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,036 sqft · built 2020
Lot Size0.126 acres (5,500 sqft)
Owner2 Individual Names on File
Last Sale$638,000 (Dec 2020)
Tax Bill$5,527 (2024)
Deeds & MortgagesDec 2020 Sale & Mortgage
May 2017 Transfer
Flood ZoneZone AE (high risk)
APN00492590-000000

Property Details

APN / Parcel Number

Primary APN00492590-000000
Alternative APNs
  • 14623800492590000000
  • 1608785

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area3,036 sqft Living Area
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area5,500 sqft (0.126 acres)
Lot Dimensions100 ft deep x 55 ft wide
Garage TypeCovered
Garage Area260 sqft
PorchFlorida Room

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Account Number1608785
Street Address406 COCONUT DR
CityKEY LARGO
StateFL
Zip33037-3804
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRV
Legal DescriptionBK 2 LT 7 SEASIDE ADDITION NO 1 PB3-59 KEY LARGO OR458-243 OR482-434 OR675-769 OR769-1147 OR1348-1472/73FJ OR1348-751/52 OR1528-1629 OR1631-542 OR1654-137/39PET/ADM OR1654-142/50WILL OR1673-1128D/C OR1685-957 OR2852-952 OR3066-1821
Legal Range38E
Legal Township62S
Legal Section14
Legal SubdivisionSEASIDE 1ST ADD
Legal Block2
Legal Lot Number7
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group1
Census Block1009
Census Tract970600

Owner

406 Coconut Dr is owned and occupied by two individuals who bought it in December 2020.

Source: Monroe County records, as of March 19, 2026

Owner of Record2 Individual Names on File
Mailing Address406 COCONUT DR, KEY LARGO, FL 33037-3804
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Dec 31, 2020Warranty Deed, Transfer · Conventional Mortgage
EAST COAST MORTGAGE LENDERS INC
May 3, 2017Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 31, 2020 · Amount on File
Deed SaleDec 31, 2020 · Amount on File
Prior SaleJul 1, 1978 · Amount on File
Deed Document Number20202297633
Deed Book / Page3066 / 1821
Prior Transfer DateMay 2, 2017
Prior Transfer Doc0028520952
Record UpdatedJun 8, 2026

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateDec 31, 2020
Property Address406 COCONUT DR, KEY LARGO, FL 33037-3804
Document Number0030661821
Book / Page3066 / 1821
Map ReferenceMB 3 PG 59
Instrument DateDec 29, 2020
Instrument2297633
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyCOASTAL TTL & CLOSING SVCS I

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,466.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1 SEASIDE AVE, 1, KEY LARGO, FL 33037-3862

Transferred To (Grantee/Buyer)

NameVerified Name
Address406 COCONUT DR, KEY LARGO, FL 33037-3804

Mortgage

Document Number0030661823
DateDec 31, 2020
Instrument3066/1823
Lender
NameEAST COAST MORTGAGE LENDERS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2051

May 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateMay 3, 2017
Property Address406 COCONUT DR, KEY LARGO, FL 33037-3804
Document Number0028520952
Book / Page002852 / 000952
Instrument DateMay 2, 2017
Instrument2121455
Transaction TypeTransfer
Record UpdatedJun 14, 2017

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1 SEASIDE AVE KEY LARGO FL 330373862, KEY LARGO, FL 33037-3862

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$650,701$893,989 Land $250,800 Building $643,189
2024$5,527.00 (+11.16%)
2023$4,972.00 (+2.88%) Homeowner's exemption$575,096 (+3%)$944,935 (+26.08%) Land $418,000 Building $526,935
2022$4,833.00 Homeowner's exemption$558,346$749,468 Land $300,438 Building $449,030

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

Flood

FEMA maps place 406 Coconut 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 272 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies272 in force
Nearby Flood Claims100 (1981–2024)
Claims Outside the SFHA9 of 100
Most Recent ClaimMay 2024 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 42 claims
  • Hurricane Wilma, Oct 2005 · 37 claims
  • Hurricane Andrew, Aug 1992 · 4 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 406 Coconut Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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