Monroe County property record for 412 Coconut Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,530 sqft · built 2016 |
| Lot Size | 0.126 acres (5,500 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $665,000 (Aug 2021) |
| Tax Bill | $5,900 (2024) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage May 2017 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00492620-000000 |
| Primary APN | 00492620-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,530 sqft Living Area |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,500 sqft (0.126 acres) |
| Lot Dimensions | 100 ft deep x 55 ft wide |
| Garage Type | Covered |
| Garage Area | 1,275 sqft |
| Porch | Open Porch |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 1608815 |
|---|---|
| Street Address | 412 COCONUT DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RV |
| Legal Description | BK 2 LT 10 SEASIDE ADDITION NO 1 KEY LARGO PB3-59 OR500-911 OR685-160/62 OR856-1 OR856-234 OR1428-2367 OR1922-809 OR2308-1077 OR2627-275 OR2794-1082CE OR2856-228 OR3117-2294 |
| Legal Range | 38E |
| Legal Township | 62S |
| Legal Section | 14 |
| Legal Subdivision | SEASIDE 1ST ADD |
| Legal Block | 2 |
| Legal Lot Number | 10 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1009 |
| 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 | 412 COCONUT DR, KEY LARGO, FL 33037-3804 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 6, 2021 | Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| May 24, 2017 | Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2021 · Amount on Record |
| Deed Sale | Aug 6, 2021 · Amount on Record |
| Prior Sale | May 24, 2017 · Amount on Record |
| Deed Document Number | 20212333881 |
| Deed Book / Page | 3117 / 2294 |
| Prior Transfer Date | Jul 2, 2007 |
| Prior Transfer Doc | 0023081077 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 6, 2021 |
| Property Address | 412 COCONUT DR, KEY LARGO, FL 33037-3804 |
| Document Number | 0031172294 |
| Book / Page | 3117 / 2294 |
| Map Reference | MB 3 PG 59 |
| Instrument Date | Jul 27, 2021 |
| Instrument | 2333881 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2021 |
| Title Company | CLA TITLE AND ESCROW, CLA TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,655.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 410 3RD ST, 410, KEY LARGO, FL 33037-4834 |
| Name | Verified Name |
|---|---|
| Address | 412 COCONUT DR, KEY LARGO, FL 33037-3804 |
| Document Number | 31172297 |
|---|---|
| Date | Aug 6, 2021 |
| Instrument | 3117/2297 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 24, 2017 |
| Property Address | 412 COCONUT DR, KEY LARGO, FL 33037-3804 |
| Document Number | 0028560228 |
| Book / Page | 2856 / 0228 |
| Map Reference | MB3 PG59 |
| Instrument Date | May 24, 2017 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,143.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 412 COCONUT DR, KEY LARGO, FL 33037-3804 |
| Document Number | 0002124575 |
|---|---|
| Date | May 24, 2017 |
| Instrument | 2124575 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2047 |
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 | $658,749 (+5.99%) | $800,236 (+11.02%) Land $250,800 Building $549,436 | |
| 2024 | $5,900.00 (+3.91%) | ||
| 2023 | $5,678.00 (+2.55%) Homeowner's exemption | $621,538 (+3%) | $720,783 (+19.45%) Land $418,000 Building $302,783 |
| 2022 | $5,537.00 Homeowner's exemption | $603,435 Land $300,438 Building $302,997 | $603,435 Land $300,438 Building $302,997 |
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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