Monroe County property record for 414 3rd St, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,620 sqft · built 2003 |
| Lot Size | 0.137 acres (6,000 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $12,000 (Dec 1997) |
| Tax Bill | $3,317 (2024) |
| Deeds & Mortgages | Jun 2017 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00474720-000000 |
| Primary APN | 00474720-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,620 sqft Living Area |
| 1st Floor Area | 1,620 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Other |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 6,000 sqft (0.137 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 1,368 sqft |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 608 sqft |
| Patio Area | 16 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1581836 |
|---|---|
| Old Parcel Number | 11613900474720000000 |
| Street Address | 414 3RD ST |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4834 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LARGO SOUND VILLAGE PB4-92 KEY LARGO LOT 4 BK 5 OR288-518/19 OR288-520 OR770-1242 OR912-2102 OR1488-1934 OR1627-1102 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 11 |
| Legal Subdivision | LARGO SOUND VILLAGE |
| Legal Block | 5 |
| Legal Lot Number | 4 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 972700 |
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.
The current owner of 414 3rd St acquired it in September 2003.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 414 3RD ST, KEY LARGO, FL 33037-4834 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 1997 · Amount on File |
| Deed Sale | Dec 12, 1997 · Amount on File |
| Prior Sale | Dec 12, 1997 · Amount on File |
| Deed Document Number | 0014881934 |
| Deed Book / Page | 11613 |
| Last Transfer Date | Sep 12, 2003 |
| Transfer Doc | 0019301048 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 414 3RD ST, KEY LARGO, FL 33037-4834 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0028602119 |
|---|---|
| Date | Jun 22, 2017 |
| Book Page | 2860/2119 |
| Instrument | 2128227 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48083 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2037 |
Source: Monroe County assessment roll, as of July 1, 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 | $366,428 | $660,927 Land $312,000 Building $348,927 | |
| 2024 | $3,317.00 (+4.74%) | ||
| 2023 | $3,167.00 (+5.46%) Homeowner's exemption | $345,731 (+3%) | $635,079 (+9.73%) Land $330,000 Building $305,079 |
| 2022 | $3,003.00 Homeowner's exemption | $335,662 | $578,771 Land $270,000 Building $308,771 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 414 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 |
|
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.
The area around 414 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.
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 |
5G (outdoors only) and 4G LTE
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