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407 Thumper Thoroughfare, Key Largo, FL 33037 Property Records

Monroe County property record for 407 Thumper Thoroughfare, Key Largo, FL 33037 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,288 sqft · built 2004
Lot Size0.082 acres (3,600 sqft)
OwnerIndividual Name on File
Last Sale$630,000 (Sep 2019)
Tax Bill$7,241 (2024)
Deeds & MortgagesSep 2019 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00486780-000000

Property Details

APN / Parcel Number

Primary APN00486780-000000
Alternative APNs
  • 12623800486780000000
  • 1596337

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,288 sqft Living Area
1st Floor Area1,288 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2015
Exterior MaterialOther
Construction TypeWood
Foundation TypePile
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area3,600 sqft (0.082 acres)
Lot Dimensions90 ft deep x 40 ft wide
Garage TypeCarport
CarportCarport

Exterior Amenities

Pool TypePublic / Commercial Pool
PorchOpen Porch
Porch Area392 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1596337
Old Parcel Number12623800486780000000
Street Address407 THUMPER THOROUGHFARE
CityKEY LARGO
StateFL
Zip33037-3906
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 77 WYNKEN BLYNKEN & NOD ESTATES PB5-97 OR777-1261 OR1474-847 OR1964-1840 OR2986-1326
Legal Range38E
Legal Township62S
Legal Section12
Legal SubdivisionWYNKEN-BLYNKEN & NOD EST
Legal Lot Number77
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2004
Census Tract970600

Owner

Source: Monroe County records · APN 00486780-000000

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address8788 SW 8TH ST, MIAMI, FL 33174-3201
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 26, 2019 · Amount on Record
Deed SaleSep 26, 2019 · Amount on Record
Prior SaleDec 31, 2003 · Amount on Record
Deed Document Number2238144
Deed Book / Page2986 / 1326
Record UpdatedJun 08, 2026

September 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateSep 26, 2019
Property Address407 THUMPER THOROUGHFARE, KEY LARGO, FL 33037-3906
Document Number0029861326
Book / Page2986 / 1326
Map ReferenceMB 5 PG 97
Instrument DateSep 25, 2019
Instrument2238144
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,410.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address36 YATCH CLUB DRIVE, 36, NORTH PALM BEACH, FL 33408

Transferred To (Grantee/Buyer)

NameVerified Name
Address8400 SW 2ND ST, MIAMI, FL 33144-2006

Mortgage

Document Number0029861328
DateSep 26, 2019
Instrument2986-1328
Lender
NameREGIONS BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2049

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe 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.

YearTax BillAssessed ValueAssessed Market Value
2025$876,697 (-9.78%) Land $450,000 Building $426,697$876,697 (-9.78%) Land $450,000 Building $426,697
2024$7,241.00 (+2.88%)
2023$7,038.00 (+20.37%)$971,706 (+33.3%) Land $604,800 Building $366,906$971,706 (+33.3%) Land $604,800 Building $366,906
2022$5,847.00$728,986 Land $352,800 Building $376,186$728,986 Land $352,800 Building $376,186

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 ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 425 individual NFIP policies nearby
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies957 units insured
532 under condo master policies
Nearby Flood Claims227 (1982–2022)
Claims Outside the SFHA13 of 227
Most Recent ClaimSep 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 RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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

ProviderTechnologyDownload / Upload (Mbps)
Hotwire CommunicationsFiber8,000 / 8,000
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 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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