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425 4th Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 425 4th Rd, Key Largo, FL 33037 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,620 sqft · built 2008
Lot Size0.138 acres (6,000 sqft)
Owner2 Individual Names on File
Last Sale$187,500 (Aug 2008)
Tax Bill$3,728 (2024)
Deeds & MortgagesMay 2021 Mortgage
Jun 2018 Mortgage
Flood ZoneZone AE (high risk)
APN00476020-000000

Property Details

APN / Parcel Number

Primary APN00476020-000000
Alternative APNs
  • 11613900476020000000
  • 1583146

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,620 sqft Living Area
1st Floor Area1,650 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2008
Effective Year BuiltEffective 2010
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialTile
Lot Area6,000 sqft (0.138 acres)
Lot Dimensions100 ft deep x 60 ft wide
Garage TypeCovered
Garage Area1,229 sqft
PorchOpen Porch
Porch Area328 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Account Number1583146
Street Address425 4TH RD
CityKEY LARGO
StateFL
Zip33037-4804
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 10 LT 14 LARGO SOUND VILLAGE PB4-92 KEY LARGO OR150-339/340 OR1095-1761 OR1672-1138/41/AFF OR1672-1142 OR2377-2492
Legal Range39E
Legal Township61S
Legal Section11
Legal SubdivisionLARGO SOUND VILLAGE
Legal Block10
Legal Lot Number14
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group1
Census Block1026
Census Tract972700

Owner

Source: Monroe County records · APN 00476020-000000

Assessment roll updated December 8, 2025 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address425 4TH RD, KEY LARGO, FL 33037-4804
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 05, 2021Deed of Trust, Mortgage · Conventional Mortgage
ALLY BANK
Jun 24, 2018Deed of Trust, Mortgage · Conventional Mortgage
STEPHEN M FRAYSHER

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 28, 2008 · Amount on Record
Deed SaleAug 28, 2008 · Amount on Record
Prior SaleJan 16, 2001 · Amount on Record
Deed Document Number20081709817
Deed Book / Page2377 / 2492
Last Transfer DateOct 20, 2010
Transfer Doc0024890959
Record UpdatedJun 08, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address425 4TH RD, KEY LARGO, FL 33037-4804
Transaction TypeMortgage
Record UpdatedMay 28, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address425 4TH RD, KEY LARGO, FL 33037-4804

Mortgage

Document Number0030950730
DateMay 05, 2021
Book Page3095/730
Instrument2318023
Lender
NameALLY BANK
TypeBank
AddressCHARLOTTE, NC 28202
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueMay 01, 2036

June 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address425 4TH RD, KEY LARGO, FL 33037-4804
Document Number0029141592
Instrument DateJun 24, 2018
Transaction TypeMortgage
Record UpdatedAug 07, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address30 SNAPPER AVE KEY LARGO FL 330374705, KEY LARGO, FL 33037-4705

Mortgage

Document Number0029141592
DateJun 29, 2018
Book Page002914/001592
Instrument2176027
Lender
NameSTEPHEN M FRAYSHER
AddressPO BOX 877, ISLAMORADA, FL 33036-0877
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term60 Months
DueJun 28, 2023

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe 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.

YearTax BillAssessed ValueAssessed Market Value
2025$457,127 (+5.99%)$643,563 (-0.18%) Land $312,000 Building $331,563
2024$3,728.00 (+4.84%)
2023$3,556.00 (+6.4%) Homeowner's exemption$431,305 (+3%)$644,699 (+9.57%) Land $330,000 Building $314,699
2022$3,342.00 Homeowner's exemption$418,743$588,365 Land $270,000 Building $318,365

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879727001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 225 individual NFIP policies nearby
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies225 in force
Nearby Flood Claims29 (2017–2023)
Most Recent ClaimNov 2023, rainfall accumulation
Claims By Storm
  • Hurricane Irma, Sep 2017 · 28 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond 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 · August 1, 2026 release · Last verified October 2026

Listed AreaWithin 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, availability as of December 31, 2025 · Published October 2026 · based on 178 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
AT&TDSL100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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