42 Bonefish Ave, Key Largo, FL 33037 Property Records

Monroe County property record for 42 Bonefish Ave, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,056 sqft · built 1972
Lot Size	0.117 acres (5,125 sqft)
Owner	Individual Name on Record
Last Sale	$650,000 (May 2023)
Tax Bill	$5,051 (2024)
Deeds & Mortgages	May 2023 Sale & Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`00470630-000000`

Property Details

APN / Parcel Number

Primary APN	`00470630-000000`
Alternative APNs	`14613900470630000000` `1577791`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	792 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2015
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,125 sqft (0.117 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	299 sqft
Deck Area	220 sqft
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1577791
Old Parcel Number	14613900470630000000
Street Address	42 BONEFISH AVE
City	KEY LARGO
State	FL
Zip	33037-4765
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 2 LT 22 LARGO SOUND PARK PB3-111 KEY LARGO OR609-9 OR1593-1229 OR1593-1202 OR1630-1492 OR1630-1494 OR1653-511 OR1653-512
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	LARGO SOUND PARK
Legal Block	2
Legal Lot Number	22
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	4
Census Block	4013
Census Tract	970400

Historic Designation

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.

Owner

Source: Monroe County records, as of December 5, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	14671 SW 50TH ST, MIAMI, FL 33175-5004
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
May 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTERSTATE BANK NA
Nov 8, 2017	Warranty Deed, Transfer · Conventional with PMI CHURCHILL MTG
May 4, 2017	Warranty Deed, Transfer SUNSHINE TITLE CORPORATION, SUNSHINE TITLE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2023 · Amount on Record
Deed Sale	May 31, 2023 · Amount on Record
Prior Sale	Nov 8, 2017 · Amount on Record
Deed Document Number	2420061
Deed Book / Page	3227 / 2388
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 31, 2023
Property Address	42 BONEFISH AVE, KEY LARGO, FL 33037-4765
Document Number	0032272388
Book / Page	3227 / 2388
Map Reference	MB 3 PG 111
Instrument Date	May 22, 2023
Instrument	2420061
Transaction Type	Transfer
Record Updated	Jun 20, 2023
Title Company	ACUITY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 373135, KEY LARGO, FL 33037-8135

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	14671 SW 50TH ST, MIAMI, FL 33175-5004

Mortgage

Document Number	0032272390
Date	May 31, 2023
Instrument	3227/2390

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	42 BONEFISH AVE, KEY LARGO, FL 33037-4765
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030212432
Date	May 12, 2020
Book Page	3021/2432
Instrument	2265752

Lender

Name	CENTERSTATE BANK NA
Type	Bank
Address	WINTER HAVEN, FL 33881

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 8, 2017
Property Address	42 BONEFISH AVE, KEY LARGO, FL 33037-4765
Document Number	0028781388
Book / Page	002878 / 001388
Instrument Date	Nov 8, 2017
Instrument	2142912
Transaction Type	Transfer
Record Updated	Nov 30, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	42 BONEFISH AVE KEY LARGO FL 330374765, KEY LARGO, FL 33037-4765

Mortgage

Document Number	28781391
Date	Nov 8, 2017
Book Page	002878/001391
Instrument	2142914

Lender

Name	CHURCHILL MTG
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 7, 2047

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 4, 2017
Property Address	42 BONEFISH AVE, KEY LARGO, FL 33037-4765
Document Number	0028521514
Book / Page	002852 / 001514
Instrument Date	Apr 28, 2017
Instrument	2121675
Transaction Type	Transfer
Record Updated	Jun 14, 2017
Title Company	SUNSHINE TITLE CORPORATION, SUNSHINE TITLE CORP

Transaction

Amount	Amount Recorded
Tax	$2,380.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	42 BONEFISH AVE KEY LARGO FL 330374765, KEY LARGO, FL 33037-4765

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$501,889 (+100.61%) Land $274,495 Building $227,394	$501,889 (+1.2%) Land $274,495 Building $227,394
2024	$5,051.00 (+109.67%)
2023	$2,409.00 (+5.06%) Homeowner's exemption	$250,176 (+3%)	$495,920 (+16.47%) Land $290,331 Building $205,589
2022	$2,293.00 Homeowner's exemption	$242,890	$425,791 Land $237,544 Building $188,247

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 167 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	167 in force
Nearby Flood Claims	68 (1992–2023)
Claims Outside the SFHA	4 of 68
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 39 claims Hurricane Irene, Oct 1999 · 8 claims Hurricane Georges, Sep 1998 · 8 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 214 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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