Monroe County property record for 426 Lime Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,519 sqft · built 1985 |
| Lot Size | 0.123 acres (5,350 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $350,500 (Sep 2019) |
| Tax Bill | $3,233 (2024) |
| Deeds & Mortgages | Jul 2023 Line of Credit Feb 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 00464570-000000 |
| Primary APN | 00464570-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,519 sqft Living Area |
| 1st Floor Area | 1,519 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Masonry |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,350 sqft (0.123 acres) |
| Lot Dimensions | 107 ft deep x 50 ft wide |
| Garage Type | Covered |
| Garage Area | 415 sqft |
| Porch | Open Porch |
| Porch Area | 438 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1567990 |
|---|---|
| Street Address | 426 LIME DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4542 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 5 LT 9 PAMELA VILLA KEY LARGO PB3-125 OR207-70 OR894-241 OR969-2241 OR974-1631AFF OR1010-127 OR1335-732 OR1451-457 OR1907-695/700EST/ORD OR1907-706/10P/R OR1995-2227 OR1995-2228AFF OR2292-2401 OR2542-925/26 OR2622-898/919F/J OR2914-1809LET/ADM OR2 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 22 |
| Legal Subdivision | PAMELA VILLA |
| Legal Block | 5 |
| Legal Lot Number | 9 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 970400 |
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.
Source: Monroe County records, as of December 8, 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 |
|---|---|
| Mailing Address | 426 LIME DR, KEY LARGO, FL 33037-4542 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 11, 2023 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| Feb 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Sep 23, 2019 | Warranty Deed, Transfer CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO |
| Sep 23, 2019 | Warranty Deed, Transfer · Conventional Mortgage INNOVATIVE MORTGAGE SERVICES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 23, 2019 · Amount on Record |
| Deed Sale | Sep 23, 2019 · Amount on Record |
| Prior Sale | Apr 14, 2004 · Amount on Record |
| Deed Document Number | 20192237747 |
| Deed Book / Page | 2985 / 2396 |
| Prior Transfer Date | Sep 20, 2019 |
| Prior Transfer Doc | 0029852395 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 426 LIME DR, KEY LARGO, FL 33037-4542 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 426 LIME DR, KEY LARGO, FL 33037-4542 |
| Document Number | 0032331531 |
|---|---|
| Date | Jul 11, 2023 |
| Book Page | 3233/1531 |
| Instrument | 2424519 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 426 LIME DR, KEY LARGO, FL 33037-4542 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 426 LIME DR, KEY LARGO, FL 33037-4542 |
| Document Number | 0031521576 |
|---|---|
| Date | Feb 2, 2022 |
| Book Page | 3152/1576 |
| Instrument | 2359669 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 23, 2019 |
| Property Address | 426 LIME DR, KEY LARGO, FL 33037-4542 |
| Document Number | 0029852395 |
| Book / Page | 002985 / 002395 |
| Instrument Date | Sep 20, 2019 |
| Instrument | 2237746 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2019 |
| Title Company | CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 104350 OVERSEAS HWY #B202 KEY LARGO FL 330372941, B202, KEY LARGO, FL 33037-2941 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 23, 2019 |
| Property Address | 426 LIME DR, KEY LARGO, FL 33037-4542 |
| Document Number | 0029852396 |
| Book / Page | 2985 / 2396 |
| Map Reference | MB 3 PG 125 |
| Instrument Date | Sep 20, 2019 |
| Instrument | 2237747 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Title Company | CORAL REEF TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,453.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 104350 OVERSEAS HWY # HWYB202, 104350, KEY LARGO, FL 33037-2936 |
| Name | Verified Name |
|---|---|
| Address | 426 LIME DR, KEY LARGO, FL 33037-4542 |
| Document Number | 0029852397 |
|---|---|
| Date | Sep 23, 2019 |
| Instrument | 2985-2397 |
| Name | INNOVATIVE MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $336,795 (+5.99%) | $552,604 (+3.66%) Land $278,200 Building $274,404 | |
| 2024 | $3,233.00 (+4.53%) | ||
| 2023 | $3,093.00 (+4.95%) Homeowner's exemption | $317,771 (+3%) | $533,112 (+22.43%) Land $262,150 Building $270,962 |
| 2022 | $2,947.00 Homeowner's exemption | $308,516 | $435,437 Land $203,300 Building $232,137 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 245 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 245 in force |
| Nearby Flood Claims | 161 (1992–2023) |
| Claims Outside the SFHA | 6 of 161 |
| Most Recent Claim | Nov 2023 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 344 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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