412 3rd St, Key Largo, FL 33037 Property Records

Monroe County property record for 412 3rd St, Key Largo, FL 33037 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,558 sqft · built 1973
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Dec 2003)
Tax Bill	$2,544 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Nov 2023 Second Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`00474730-000000`

Property Details

APN / Parcel Number

Primary APN	`00474730-000000`
Alternative APNs	`11613900474730000000` `1581844`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,558 sqft Living Area
1st Floor Area	1,558 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide

Exterior Amenities

Porch	Florida Room
Porch Area	309 sqft
Deck Area	1,016 sqft
Patio Area	1,795 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1581844
Street Address	412 3RD ST
City	KEY LARGO
State	FL
Zip	33037-4834
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 5 LT 5 LARGO SOUND VILLAGE PB4-92 KEY LARGO OR600-253 OR720-442 OR721-619 OR1291-1074 OR1296-544/45F/J OR1317-1582 OR1568-1551 OR1961-722 OR2927-914/15F/J
Legal Range	39E
Legal Township	61S
Legal Section	11
Legal Subdivision	LARGO SOUND VILLAGE
Legal Block	5
Legal Lot Number	5
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1038
Census Tract	972700

Owner

Source: Monroe County records · APN 00474730-000000

Assessment roll updated December 8, 2025 · Last verified June 2026

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

Owner of Record	Individual Name on File
Mailing Address	412 3RD ST, KEY LARGO, FL 33037-4834
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 06, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MIAMI
Nov 27, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Dec 07, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Nov 15, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
May 25, 2018	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 22, 2003 · Amount on Record
Deed Sale	Dec 22, 2003 · Amount on Record
Prior Sale	Apr 01, 1999 · Amount on Record
Deed Document Number	20031415935
Deed Book / Page	1961 / 722
Transfer Doc	1317001582
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 06, 2026
Property Address	412 3RD ST, KEY LARGO, FL 33037-4834
Document Number	0002550266
Book / Page	3390 / 613
Instrument Date	Jun 26, 2026
Instrument	20262550266
Transaction Type	Transfer
Record Updated	Aug 04, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$424,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 3RD ST, KEY LARGO, FL 33037-4834

Mortgage

Document Number	0002550267,
Date	Jul 06, 2026
Book Page	3390/615
Instrument	20262550267

Lender

Name	MORTGAGE MIAMI

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	412 3RD ST, KEY LARGO, FL 33037-4834
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 3RD ST, KEY LARGO, FL 33037-4834

Mortgage

Document Number	0032512146
Date	Nov 27, 2023
Book Page	3251/2146
Instrument	2441000

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 01, 2043

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	412 3RD ST, KEY LARGO, FL 33037-4834
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030602277
Date	Dec 07, 2020
Book Page	3060/2277
Instrument	2293619

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Oct 01, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	412 3RD ST, KEY LARGO, FL 33037-4834
Document Number	0029971924
Instrument Date	Nov 15, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 3RD ST KEY LARGO FL 330374834, KEY LARGO, FL 33037-4834

Mortgage

Document Number	0029971924
Date	Dec 05, 2019
Book Page	002997/001924
Instrument	2247252

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 04, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	412 3RD ST, KEY LARGO, FL 33037-4834
Document Number	0029130225
Instrument Date	May 25, 2018
Transaction Type	Mortgage
Record Updated	Jul 31, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	412 3RD ST KEY LARGO FL 330374834, KEY LARGO, FL 33037-4834

Mortgage

Document Number	0029130225
Date	Jun 21, 2018
Book Page	002913/000225
Instrument	2174697

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 20, 2048

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,544.00 (+4.48%) Homeowner's exemption Veteran's exemption	$256,454 (+5.99%)	$528,079 (-0.9%) Land $312,000 Building $216,079
2024	$2,435.00 (+5.69%)
2023	$2,304.00 (+5.01%) Senior Citizen's exemption	$241,968 (+2.99%)	$532,883 (+11.97%) Land $330,000 Building $202,883
2022	$2,194.00 Senior Citizen's exemption	$234,954	$475,935 Land $270,000 Building $205,935

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 120879727001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 225 individual NFIP policies nearby
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 Storm	Hurricane Irma, Sep 2017 · 28 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None 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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 178 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
AT&T	DSL	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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