417 3rd St, Key Largo, FL 33037 Property Records

Monroe County property record for 417 3rd St, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,505 sqft · built 2016
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$55,000 (Jun 2011)
Tax Bill	$6,504 (2025)
Deeds & Mortgages	Jul 2026 Sale Mar 2020 Construction Loan + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00474660-000000`

Property Details

APN / Parcel Number

Primary APN	`00474660-000000`
Alternative APNs	`11613900474660000000` `1581771`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,505 sqft Living Area
Gross Area	3,526 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2018
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
Garage Type	Attached
Garage Area	1,021 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1581771
Street Address	417 3RD ST
City	KEY LARGO
State	FL
Zip	33037-4828
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU-1
Legal Description	BK 4 LT 20 LARGO SOUND VILLAGE KEY LARGO PB4-92 OR324-141 OR1114-2037T/R OR1812-2415/16 OR1900-1085/87D/C-AFF OR1900-1085/87D/C OR2168-1414/16AFF OR2168-1417/19TR/D OR2523-1888
Legal Range	39E
Legal Township	61S
Legal Section	11
Legal Subdivision	LARGO SOUND VILLAGE
Legal Block	4
Legal Lot Number	20
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1036
Census Tract	972700

Owner

Source: Monroe County records · APN 00474660-000000

Assessment roll updated December 8, 2025 · Last verified July 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 File
Mailing Address	743 ALDENWOOD TRL, NEW SMYRNA BEACH, FL 32168-5471
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Warranty Deed, Transfer LANDCASTLE TITLE LLC, LANDCASTLE TITLE
Mar 23, 2020	Deed of Trust, Construction Loan · Construction Mortgage EMBRACE HM LOANS
Jan 03, 2017	Loan Modification, Mortgage CAPITAL BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 29, 2011 · Amount on Record
Deed Sale	Jun 29, 2011 · Amount on Record
Prior Sale	Nov 29, 2005 · Amount on Record
Deed Document Number	20111841674
Deed Book / Page	2523 / 1888
Prior Transfer Date	Aug 10, 2004
Prior Transfer Doc	0020810894
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 22, 2026
Property Address	417 3RD ST, KEY LARGO, FL 33037-4828
Document Number	0002552730
Book / Page	3393 / 557
Instrument Date	Jul 20, 2026
Instrument	20262552730
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	LANDCASTLE TITLE LLC, LANDCASTLE TITLE

Transaction

Amount	Amount Recorded
Tax	$699,930.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

March 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Recording Date	Mar 23, 2020
Property Address	417 3RD ST, KEY LARGO, FL 33037-4828
Document Number	0030142410
Book / Page	003014 / 002410
Instrument Date	Mar 16, 2020
Instrument	2260945
Transaction Type	Construction Loan
Record Updated	Jun 18, 2020
Title Company	SOUTHEAST PROF TITLE L

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	417 3RD ST KEY LARGO FL 330374828, KEY LARGO, FL 33037-4828

Mortgage

Document Number	30142410
Date	Mar 23, 2020
Book Page	003014/002410
Instrument	2260945

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 22, 2040

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	417 3RD ST, KEY LARGO, FL 33037-4828
Document Number	0028352392
Instrument Date	Jan 03, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	417 3RD ST KEY LARGO FL 33037, KEY LARGO, FL 33037

Mortgage

Document Number	0028352392
Date	Jan 23, 2017
Book Page	002835/002392
Instrument	2107771

Lender

Name	CAPITAL BK
Type	Bank
Address	FORT MYERS, FL 33966

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 22, 2047

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified July 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	$6,504.00 (+5.26%)	$715,111 (+0.49%) Land $312,000 Building $403,111	$715,111 (+0.49%) Land $312,000 Building $403,111
2024	$6,179.00 (+8.33%)
2023	$5,704.00 (+11.6%)	$711,640 (+9.88%) Land $330,000 Building $381,640	$711,640 (+9.88%) Land $330,000 Building $381,640
2022	$5,111.00	$647,625 Land $270,000 Building $377,625	$647,625 Land $270,000 Building $377,625

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Wildfire

Wildfire Risk	Not rated no burnable land within 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 as of August 1, 2026 · 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 as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 178 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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