Monroe County property record for 409 Coconut Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 816 sqft · built 1993 |
| Lot Size | 0.217 acres (9,460 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $140,600 (May 2012) |
| Tax Bill | $4,343 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00492500-000000 |
| Primary APN | 00492500-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 816 sqft Living Area |
| 1st Floor Area | 816 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Masonry |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 9,460 sqft (0.217 acres) |
| Lot Width | 110 ft Width |
| Porch | Open Porch |
| Porch Area | 313 sqft |
| Patio Area | 371 sqft |
| Cooling System | HVAC |
|---|
| Account Number | 1608696 |
|---|---|
| Street Address | 409 COCONUT DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URM |
| Legal Description | BK 1 LT 4-5 SEASIDE ADDITION NO 1 KEY LARGO PB3-59 OR500-911/12 OR685-160/62 OR849-2453 OR1217-1952/53 OR1217-1954/55 OR1363-1525RES OR1363-1527 OR1446-645/46 OR1453-1731 OR1469-2381/82 OR1799-1318/19 OR1799-1320/21 OR1801-2346/47AFF OR1815-600/01 OR |
| Legal Range | 38E |
| Legal Township | 62S |
| Legal Section | 14 |
| Legal Subdivision | SEASIDE 1ST ADD |
| Legal Block | 1 |
| Legal Lot Number | 4-5 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 970600 |
Source: Monroe County records, as of March 19, 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 Record |
|---|---|
| Mailing Address | 105 SOUTHBRIDGE CT, JAMESTOWN, NC 27282-9596 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2012 · Amount on Record |
| Deed Sale | May 8, 2012 · Amount on Record |
| Prior Sale | Sep 16, 2002 · Amount on Record |
| Deed Document Number | 20121881759 |
| Deed Book / Page | 2568 / 1658 |
| Last Transfer Date | May 22, 2013 |
| Transfer Doc | 0026300800 |
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $523,656 (-18.19%) Land $317,856 Building $205,800 | $523,656 (-18.19%) Land $317,856 Building $205,800 | |
| 2024 | $4,343.00 (+1.83%) | ||
| 2023 | $4,265.00 (+16.53%) | $640,103 (+30.69%) Land $529,760 Building $110,343 | $640,103 (+30.69%) Land $529,760 Building $110,343 |
| 2022 | $3,660.00 | $489,794 Land $380,765 Building $109,029 | $489,794 Land $380,765 Building $109,029 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 272 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 272 in force |
| Nearby Flood Claims | 100 (1981–2024) |
| Claims Outside the SFHA | 9 of 100 |
| Most Recent Claim | May 2024 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 168 locations within half a mile, as of December 31, 2025
| Provider | Max 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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