411 3rd St, Key Largo, FL 33037 Property Records

Monroe County property record for 411 3rd St, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,247 sqft · built 1974
Lot Size	0.275 acres (12,001 sqft)
Owner	Individual Name on File
Last Sale	$825,000 (Apr 2021)
Tax Bill	$8,156 (2024)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2021 Sale
Flood Zone	Zone AE (high risk)
APN	`00474630-000000`

Property Details

APN / Parcel Number

Primary APN	`00474630-000000`
Alternative APNs	`11613900474630000000` `1581747`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,247 sqft Living Area
1st Floor Area	1,247 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2015
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Reinforced Concrete
Roof Material	Other
Lot Area	12,001 sqft (0.275 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Carport
Garage Area	945 sqft
Carport	Carport

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	112 sqft
Porch	Open Porch
Porch Area	998 sqft
Deck Area	252 sqft
Patio Area	1,686 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1581747
Old Parcel Number	11613900474630000000
Street Address	411 3RD ST
City	KEY LARGO
State	FL
Zip	33037-4828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LARGO SOUND VILLAGE KEY LARGO PB4-92 LOTS 17-18 BK 4 OR567-826 OR583-738 OR681-330 OR681-332Q OR681-333 OR799-1045
Legal Range	39E
Legal Township	61S
Legal Section	11
Legal Subdivision	LARGO SOUND VILLAGE
Legal Block	4
Legal Lot Number	17-18 18
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1036
Census Tract	972700

Historic Designation

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

Listed Area	Within 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

411 3rd St is owned and occupied by an individual who bought it in April 2021.

Source: Monroe County records, as of December 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	PO BOX 373116, KEY LARGO, FL 33037-8116
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jun 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 16, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2021 · Amount on File
Deed Sale	Apr 16, 2021 · Amount on File
Prior Sale	Jun 15, 1998 · Amount on File
Deed Document Number	2314587
Deed Book / Page	3090 / 348
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	411 3RD ST, KEY LARGO, FL 33037-4828
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031031028
Date	Jun 7, 2021
Book Page	3103/1028
Instrument	2323706

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 16, 2021
Property Address	411 3RD ST, KEY LARGO, FL 33037-4828
Document Number	0030900348
Book / Page	3090 / 348
Map Reference	MB 4 PG 92
Instrument Date	Apr 16, 2021
Instrument	2314587
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$5,775.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	411 3RD ST, 411, KEY LARGO, FL 33037-4828

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 373116, KEY LARGO, FL 33037-8116

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$996,832 Land $505,500 Building $491,332	$996,832 Land $505,500 Building $491,332
2024	$8,156.00 (+3.44%)
2023	$7,885.00 (+7.75%) Homeowner's exemption	$976,732 (+4.09%)	$1,002,793 (+6.87%) Land $532,500 Building $470,293
2022	$7,318.00 Homeowner's exemption	$938,311 Land $472,500 Building $465,811	$938,311 Land $472,500 Building $465,811

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

Flood

FEMA maps place 411 3rd St 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 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 File median of 225 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	225 in force
Nearby Flood Claims	29 (2017–2023)
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 28 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

The area around 411 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 178 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 3rd St

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