423 Thumper Thoroughfare, Key Largo, FL 33037 Property Records

Monroe County property record for 423 Thumper Thoroughfare, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,672 sqft · built 1984
Lot Size	0.088 acres (3,825 sqft)
Owner	2 Individual Names on File
Last Sale	$121,000 (May 2026)
Tax Bill	$11,676 (2025)
Deeds & Mortgages	May 2026 Sale May 2026 Sale + 7 more
Flood Zone	Zone AE (high risk)
APN	`00486700-000000`

Property Details

APN / Parcel Number

Primary APN	`00486700-000000`
Alternative APNs	`12623800486700000000` `1596264`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	2,672 sqft Living Area
1st Floor Area	2,000 sqft
Basement Area	672 sqft
Flooring	Ceramic Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2012
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,825 sqft (0.088 acres)
Lot Dimensions	85 ft deep x 45 ft wide
Garage Type	Covered
Garage Area	425 sqft
Porch	Open Porch
Porch Area	2,094 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1596264
Street Address	423 THUMPER THOROUGHFARE
City	KEY LARGO
State	FL
Zip	33037-3906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URM
Legal Description	LOT 69 WYNKEN BLYNKEN & NOD ESTATES PB5-97 OR376-754 OR445-394 OR496-106 OR608-800 OR794-1020 OR1063-19 OR1091-1673 OR2067-2330 OR2189-748 OR2189-750 OR2189-751 OR2368-1557 OR2368-1559 OR3036-2235 OR3209-2437 OR3236-0779 OR3241-1125 OR3243-2284 OR325
Legal Range	38E
Legal Township	62S
Legal Section	12
Legal Subdivision	WYNKEN-BLYNKEN & NOD EST
Legal Lot Number	69
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2004
Census Tract	970600

Owner

Source: Monroe County records · APN 00486700-000000

Assessment roll updated December 8, 2025 · Last verified June 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	5619 RAIN LILY CT, SARASOTA, FL 34238-2126
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Warranty Deed, Transfer KEY TITLE AND ESCROW, KEY TITLE & ESCROW
May 19, 2026	Warranty Deed, Transfer KEY TITLE AND ESCROW, KEY TITLE & ESCROW
Mar 25, 2026	Warranty Deed, Transfer K TITLE AND ESCROW INC, KEY TITLE & ESCROW INC
Dec 14, 2023	Warranty Deed, Transfer K TITLE AND ESCROW INC, KEY TITLE & ESCROW INC
Sep 26, 2023	Warranty Deed, Transfer K TITLE AND ESCROW INC, KEY TITLE & ESCROW INC
Sep 06, 2023	Warranty Deed, Transfer K TITLE AND ESCROW INC, KEY TITLE & ESCROW INC
Jul 28, 2023	Warranty Deed, Transfer K TITLE AND ESCROW INC, KEY TITLE & ESCROW INC
Jan 27, 2023	Warranty Deed, Transfer K TITLE AND ESCROW INC, KEY TITLE & ESCROW INC
Aug 12, 2020	Warranty Deed, Transfer DIANE L TIPTON

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 29, 2026 · Amount on Record
Deed Sale	May 29, 2026 · Amount on Record
Prior Sale	May 19, 2026 · Amount on Record
Deed Document Number	20262545268
Deed Book / Page	3383 / 676
Prior Transfer Date	May 29, 2008
Prior Transfer Doc	0001701090
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 29, 2026
Property Address	423 THUMPER THOROUGHFARE, KEY LARGO, FL 33037-3906
Document Number	0002545268
Book / Page	3383 / 676
Instrument Date	May 21, 2026
Instrument	20262545268
Transaction Type	Transfer
Record Updated	Jun 05, 2026
Title Company	KEY TITLE AND ESCROW, KEY TITLE & ESCROW

Transaction

Amount	Amount Recorded
Tax	$85,547.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Percentage Unclear

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	5619 RAIN LILY CT, SARASOTA, FL 34238-2126

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 19, 2026
Property Address	423 THUMPER THOROUGHFARE, KEY LARGO, FL 33037-3906
Document Number	0002544114
Book / Page	3381 / 1810
Instrument Date	May 18, 2026
Instrument	20262544114
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	KEY TITLE AND ESCROW, KEY TITLE & ESCROW

Transaction

Amount	Amount Recorded
Tax	$75,649.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Investor	Possibly a Property Investor

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 25, 2026
Property Address	423 THUMPER THOROUGHFARE, KEY LARGO, FL 33037-3906
Document Number	0033721560
Book / Page	3372 / 1560
Map Reference	MB 5 PG 97
Instrument Date	Mar 24, 2026
Instrument	2536994
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	K TITLE AND ESCROW INC, KEY TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Tax	$1,646.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	204 WATSON HEIGHTS RD, KENTS HILL, FL

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	7860 SW 182ND TER, PALMETTO BAY, FL 33157-6239
Investor	Possibly a Property Investor

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 14, 2023
Property Address	423 THUMPER THOROUGHFARE, KEY LARGO, FL 33037-3906
Document Number	0032541483
Book / Page	3254 / 1483
Map Reference	MB 5 PG 97
Instrument Date	Dec 13, 2023
Instrument	2444060
Transaction Type	Transfer
Record Updated	Dec 28, 2023
Title Company	K TITLE AND ESCROW INC, KEY TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Tax	$1,463.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7860 SW 182ND TER, PALMETTO BAY, FL 33157-6239

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10131 CARIBBEAN BLVD, CUTLER BAY, FL 33189-1525

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 26, 2023
Property Address	423 THUMPER THOROUGHFARE, KEY LARGO, FL 33037-3906
Document Number	0032432284
Book / Page	3243 / 2284
Map Reference	MB 5 PG 97
Instrument Date	Sep 22, 2023
Instrument	2433304
Transaction Type	Transfer
Record Updated	Oct 10, 2023
Title Company	K TITLE AND ESCROW INC, KEY TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Tax	$476.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9559 SW 59TH TER, MIAMI, FL 33173-1512

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	7860 SW 182ND TER, PALMETTO BAY, FL 33157-6239
Investor	Possibly a Property Investor

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 06, 2023
Property Address	423 THUMPER THOROUGHFARE, KEY LARGO, FL 33037-3906
Document Number	0032411125
Book / Page	3241 / 1125
Map Reference	MB 5 PG 97
Instrument Date	Sep 01, 2023
Instrument	2430907
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	K TITLE AND ESCROW INC, KEY TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Tax	$1,540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7860 SW 182ND TER, PALMETTO BAY, FL 33157-6239

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 MOUNTAIN BROOK DR, CHESHIRE, CT 06410-3563

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 28, 2023
Property Address	423 THUMPER THOROUGHFARE, KEY LARGO, FL 33037-3906
Document Number	0032360779
Book / Page	3236 / 779
Map Reference	MB 5 PG 97
Instrument Date	Jul 28, 2023
Instrument	2426731
Transaction Type	Transfer
Record Updated	Aug 18, 2023
Title Company	K TITLE AND ESCROW INC, KEY TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7860 SW 182ND TER, PALMETTO BAY, FL 33157-6239

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 PELICAN RD, TAVERNIER, FL 33070-2440

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 27, 2023
Property Address	423 THUMPER THOROUGHFARE, KEY LARGO, FL 33037-3906
Document Number	0032092437
Book / Page	3209 / 2437
Map Reference	MB 5 PG 97
Instrument Date	Jan 19, 2023
Instrument	2404919
Transaction Type	Transfer
Record Updated	Feb 09, 2023
Title Company	K TITLE AND ESCROW INC, KEY TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Tax	$5,390.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7860 SW 182ND TER, PALMETTO BAY, FL 33157-6239

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9559 SW 59TH TER, MIAMI, FL 33173-1512

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 12, 2020
Property Address	423 THUMPER THOROUGHFARE, KEY LARGO, FL 33037-3906
Document Number	0030362235
Book / Page	003036 / 002235
Instrument Date	Aug 10, 2020
Instrument	2276820
Transaction Type	Transfer
Record Updated	Oct 09, 2020
Title Company	KEY TITLE AND ESCROW, KEY TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$9,100.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	7860 SW 182ND TER PALMETTO BAY FL 331576239, PALMETTO BAY, FL 33157-6239

Mortgage

Document Number	30362237
Date	Aug 12, 2020
Book Page	003036/002237
Instrument	2276821

Lender

Name	DIANE L TIPTON
Address	1414 ENCHANTMENT WAY, HIAWASSEE, GA 30546-6905
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified June 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	$11,676.00 (+1.53%)	$1,379,771 (-2.77%) Land $752,760 Building $627,011	$1,379,771 (-2.77%) Land $752,760 Building $627,011
2024	$11,500.00 (+5.75%)
2023	$10,875.00 (+18.84%)	$1,419,073 (+24.75%) Land $863,838 Building $555,235	$1,419,073 (+24.75%) Land $863,838 Building $555,235
2022	$9,151.00	$1,137,538 Land $539,784 Building $597,754	$1,137,538 Land $539,784 Building $597,754

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 425 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	957 units insured incl. 532 condo units
Nearby Flood Claims	227 (1982–2022)
Claims Outside the SFHA	13 of 227
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 156 claims Hurricane Irene, Oct 1999 · 11 claims Hurricane Georges, Sep 1998 · 30 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Hotwire Communications Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

Based on FCC filings for 257 locations within half a mile of this property.

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