426 4th Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 426 4th Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,686 sqft · built 1991
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$800,000 (Jul 2023)
Tax Bill	$5,757 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Jul 2023 Sale & Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`00476220-000000`

Property Details

APN / Parcel Number

Primary APN	`00476220-000000`
Alternative APNs	`11613900476220000000` `1583341`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,686 sqft Living Area
1st Floor Area	1,686 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2014
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Porch	Florida Room
Porch Area	181 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1583341
Street Address	426 4TH RD
City	KEY LARGO
State	FL
Zip	33037-4805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU-1
Legal Description	BK 11 LT 10 LARGO SOUND VILLAGE KEY LARGO PB4-92 OR371-817/18 OR765-1530 OR806-107 OR806-226 OR1136-1928 OR1913-1771 OR2142-1714 OR2654-294 OR3234-1342
Legal Range	39E
Legal Township	61S
Legal Section	11
Legal Subdivision	LARGO SOUND VILLAGE
Legal Block	11
Legal Lot Number	10
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1035
Census Tract	972700

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 May 21, 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 Record
Mailing Address	426 4TH RD, KEY LARGO, FL 33037-4805
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Jul 17, 2023	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE INVESTORS GROUP INC
Apr 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF THE FLORIDA KEYS
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 1, 2022	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Feb 2, 2017	Deed of Trust, Mortgage · Conventional with PMI FIRST ST BK/FL KEYS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2023 · Amount on Record
Deed Sale	Jul 17, 2023 · Amount on Record
Prior Sale	Oct 11, 2013 · Amount on Record
Deed Document Number	20232425237
Deed Book / Page	3234 / 1342
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	426 4TH RD, KEY LARGO, FL 33037-4805
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 4TH RD, KEY LARGO, FL 33037-4805

Mortgage

Document Number	0033720707
Date	Mar 24, 2026
Book Page	3372/707
Instrument	2536679

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 17, 2023
Property Address	426 4TH RD, KEY LARGO, FL 33037-4805
Document Number	0032341342
Book / Page	3234 / 1342
Map Reference	MB 4 PG 92
Instrument Date	Jul 14, 2023
Instrument	2425237
Transaction Type	Transfer
Record Updated	Aug 21, 2023
Title Company	ACURITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	426 4TH RD, KEY LARGO, FL 33037-4805

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 4TH RD, KEY LARGO, FL 33037-4805

Mortgage

Document Number	0032341344
Date	Jul 17, 2023
Instrument	3234/1344

Lender

Name	MORTGAGE INVESTORS GROUP INC
Type	Mortgage Company

Agreement

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	426 4TH RD, KEY LARGO, FL 33037-4805
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 LAKE SHORE DR, KEY LARGO, FL 33037-2512

Mortgage

Document Number	0030921159
Date	Apr 27, 2021
Book Page	3092/1159
Instrument	2316149

Lender

Name	FIRST STATE BANK OF THE FLORIDA KEYS
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	426 4TH RD, KEY LARGO, FL 33037-4805
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030920582
Date	Apr 26, 2021
Book Page	3092/582
Instrument	2316002

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	426 4TH RD, KEY LARGO, FL 33037-4805
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 4TH RD, KEY LARGO, FL 33037-4805

Mortgage

Document Number	0031762186
Date	Jun 1, 2022
Book Page	3176/2186
Instrument	2377944

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	TAVERNIER, FL 33070

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	May 20, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	426 4TH RD, KEY LARGO, FL 33037-4805
Document Number	0028381797
Book / Page	002838 / 001797
Instrument Date	Feb 2, 2017
Transaction Type	Mortgage
Record Updated	Apr 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	426 4TH RD KEY LARGO FL 330374805, KEY LARGO, FL 33037-4805

Mortgage

Document Number	0028381797
Date	Feb 9, 2017
Book Page	002838/001797
Instrument	2109946

Lender

Name	FIRST ST BK/FL KEYS
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 8, 2047

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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		$620,109 (+106.57%) Land $312,000 Building $308,109	$620,109 (+2.96%) Land $312,000 Building $308,109
2024	$5,757.00 (+105.17%)
2023	$2,806.00 (+5.29%) Homeowner's exemption	$300,199 (+3%)	$602,288 (+11.03%) Land $330,000 Building $272,288
2022	$2,665.00 Homeowner's exemption	$291,456	$542,479 Land $270,000 Building $272,479

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 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 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

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 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% 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 178 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

Cell Coverage

5G (outdoors only) and 4G LTE

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