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41 Florida Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 41 Florida Dr, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,172 sqft · built 1992
Lot Size0.075 acres (3,250 sqft)
Owner2 Individual Names on Record
Last Sale$560,000 (Jul 2024)
Tax Bill$4,260 (2025)
Deeds & MortgagesDec 2021 Mortgage
Flood ZoneZone AE (high risk)
APN00528730-000000

Property Details

APN / Parcel Number

Primary APN00528730-000000
Alternative APNs
  • 28613900528730000000
  • 1647969

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories2 Stories
Building Area1,172 sqft Living Area
1st Floor Area992 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 2015
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Foundation TypePile
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area3,250 sqft (0.075 acres)
PorchFlorida Room
Porch Area216 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1647969
Street Address41 FLORIDA DR
CityKEY LARGO
StateFL
Zip33037-2508
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 25 LT 19 AMD PLAT OF PB3-62 KEY LARGO PARK KEY LARGO OR571-556 OR573-688 OR1126-1307 OR1127-1464 OR1211-1596 OR1233-723 OR1234-506 OR1360-1576 OR1433-1137 OR2482-332 OR3285-1540
Legal Range39E
Legal Township61S
Legal Section28
Legal SubdivisionKEY LARGO PARK AMD
Legal Block25
Legal Lot Number19
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group1
Census Block1001
Census Tract970500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed AreaWithin 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

Source: Monroe County records, as of September 23, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address41 FLORIDA DR, KEY LARGO, FL 33037-2508
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 23, 2024 · Amount on Record
Deed SaleJul 23, 2024 · Amount on Record
Prior SaleSep 7, 2010 · Amount on Record
Deed Document Number20242469123
Deed Book / Page3285 / 1540
Transfer Doc1433001137
Record UpdatedOct 29, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address41 FLORIDA DR, KEY LARGO, FL 33037-2508
Transaction TypeMortgage
Record UpdatedJan 18, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address41 FLORIDA DR, KEY LARGO, FL 33037-2508

Mortgage

Document Number0031452141
DateDec 29, 2021
Book Page3145/2141
Instrument2354657
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2052

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$4,260.00 (+127.81%)$457,906 (+167.74%) Land $237,738 Building $220,168$457,906 (+28.71%) Land $237,738 Building $220,168
2024$1,870.00 (+6.74%)
2023$1,752.00 (+4.53%) Homeowner's exemption$171,027 (+3%)$355,773 (-) Land $206,213 Building $149,560
2022$1,676.00 Homeowner's exemption$166,046$355,773 Land $206,213 Building $149,560

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 177 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies204 units insured
incl. 27 condo units
Nearby Flood Claims50 (1984–2025)
Claims Outside the SFHA8 of 50
Most Recent ClaimJun 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

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

Wildfire RiskLow
lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood0.02% annual chance
ExposureDirect
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

ProviderMax 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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