Monroe County property record for 414 Coconut Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,204 sqft · built 1985 |
| Lot Size | 0.126 acres (5,500 sqft) |
| Owner | Company Name on Record |
| Last Sale | $690,000 (Feb 2024) |
| Tax Bill | $5,966 (2025) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage May 2023 Transfer + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00492630-000000 |
| Primary APN | 00492630-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,204 sqft Living Area |
| 1st Floor Area | 1,204 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 5,500 sqft (0.126 acres) |
| Lot Dimensions | 100 ft deep x 55 ft wide |
| Garage Type | Carport |
| Garage Area | 1,136 sqft |
| Carport | Carport |
| Carport Area | 1,136 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 396 sqft |
| Deck Area | 576 sqft |
| Patio Area | 576 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1608823 |
|---|---|
| Street Address | 414 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 11 SEASIDE ADDITION NO 1 KEY LARGO PB3-59 OR500-911 OR685-160 OR856-2 OR856-942 OR913-2459 OR1303-1592 OR1730-1954 OR1730-1955 OR1922-808 OR2759-421 OR3179-0878 OR3226-1565 OR3264-0388 OR3297-2157 |
| Legal Range | 38E |
| Legal Township | 62S |
| Legal Section | 14 |
| Legal Subdivision | SEASIDE 1ST ADD |
| Legal Block | 2 |
| Legal Lot Number | 11 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 970600 |
Source: Monroe County records, as of May 26, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 10604 ERVIN MCGARRAH RD, LOWELL, AR 72745-9324 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Feb 28, 2024 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 23, 2023 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Jun 14, 2022 | Deed, Transfer · Conventional Mortgage CITY NATIONAL BANK OF FLORIDA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 28, 2024 · Amount on Record |
| Deed Sale | Feb 28, 2024 · Amount on Record |
| Prior Sale | Jun 14, 2022 · Amount on Record |
| Deed Document Number | 20242452575 |
| Deed Book / Page | 3264 / 388 |
| Last Transfer Date | Oct 18, 2024 |
| Transfer Doc | 0032972157 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Feb 28, 2024 |
| Property Address | 414 COCONUT DR, KEY LARGO, FL 33037-3804 |
| Document Number | 0032640388 |
| Book / Page | 3264 / 388 |
| Map Reference | MB 3 PG 59 |
| Instrument Date | Feb 14, 2024 |
| Instrument | 2452575 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,830.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10604 ERVIN MCGARRAH RD, LOWELL, AR 72745-9324 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 11611 SW 128TH ST, MIAMI, FL 33176-4485 |
| Document Number | 0002452576 |
|---|---|
| Date | Feb 28, 2024 |
| Instrument | 2452576 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Number | 0032640390 |
|---|---|
| Date | Feb 28, 2024 |
| Book Page | 3264/390 |
| Instrument | 2452576 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | 585 SOUTH BLVD E, PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 23, 2023 |
| Property Address | 414 COCONUT DR, KEY LARGO, FL 33037-3804 |
| Document Number | 0032261565 |
| Book / Page | 3226 / 1565 |
| Map Reference | MB 2 PG 81 |
| Instrument Date | May 22, 2023 |
| Instrument | 2419086 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10604 ERVIN MCGARRAH RD, LOWELL, AR 72745-9324 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 10604 ERVIN MCGARRAH RD, LOWELL, AR 72745-9324 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jun 14, 2022 |
| Property Address | 414 COCONUT DR, KEY LARGO, FL 33037-3804 |
| Document Number | 0031790878 |
| Book / Page | 3179 / 878 |
| Map Reference | MB 3 PG 59 |
| Instrument Date | Jun 10, 2022 |
| Instrument | 2379871 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2022 |
| Title Company | CORAL REEF TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,375.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7525 SW 100TH AVE, 7525, MIAMI, FL 33173-3169 |
| Name | Verified Name |
|---|---|
| Address | 10604 ERVIN MCGARRAH RD, LOWELL, AR 72745-9324 |
| Document Number | 0003179880 |
|---|---|
| Date | Jun 14, 2022 |
| Instrument | 3179/880 |
| Name | CITY NATIONAL BANK OF FLORIDA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Jul 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 5% |
| Max Rate At Change | 10% |
| Index | Other |
| Max Rate | 10% |
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 | $5,966.00 (+4.83%) | $588,952 (-4.66%) Land $250,800 Building $338,152 | $588,952 (-4.66%) Land $250,800 Building $338,152 |
| 2024 | $5,691.00 (-5.1%) | ||
| 2023 | $5,997.00 (+43.78%) | $617,767 (+27.57%) Land $418,000 Building $199,767 | $617,767 (+27.57%) Land $418,000 Building $199,767 |
| 2022 | $4,171.00 | $484,264 Land $300,438 Building $183,826 | $484,264 Land $300,438 Building $183,826 |
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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