Monroe County property record for 43 Dolphin Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 3,923 sqft · built 1959 |
| Lot Size | 0.378 acres (16,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $74,250 (Jul 2019) |
| Tax Bill | $2,691 (2024) |
| Deeds & Mortgages | Jul 2019 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00512070-000000 |
| Primary APN | 00512070-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 3,923 sqft Living Area |
| 1st Floor Area | 3,923 sqft |
| Attic | Attic |
| Attic Area | 659 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plywood |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 16,500 sqft (0.378 acres) |
| Lot Dimensions | 110 ft deep x 50 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 265 sqft |
| Patio Area | 252 sqft |
| Fence | Fence |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Account Number | 1631370 |
|---|---|
| Old Parcel Number | 12613900512070000000 |
| Street Address | 43 DOLPHIN RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2949 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 6 LTS 9-10-11 BOWENS ADDN TO RIVIERA VILLAGE-KEY LARGO PB2-107 G57-181 G57-322 OR378-258 OR506-431 OR517-478 OR920-1641 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 12 |
| Legal Subdivision | BOWENS ADD RIVIERA VILLAGE |
| Legal Block | 6 |
| Legal Lot Number | 9-11 10 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 972700 |
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.
43 Dolphin Rd is owned and occupied by two individuals who bought it in July 2019.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 43 DOLPHIN RD, KEY LARGO, FL 33037-2949 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2019 · Amount on File |
| Deed Sale | Jul 1, 2019 · Amount on File |
| Deed Document Number | 0002976876 |
| Prior Transfer Date | Aug 12, 1997 |
| Prior Transfer Doc | 0147001917 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 43 DOLPHIN RD, KEY LARGO, FL 33037-2949 |
| Document Number | 0029760891 |
| Instrument Date | Jul 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 43 DOLPHIN RD KEY LARGO FL 330372949, KEY LARGO, FL 33037-2949 |
| Document Number | 0029760891 |
|---|---|
| Date | Jul 23, 2019 |
| Book Page | 002976/000891 |
| Instrument | 2229747 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 22, 2049 |
Source: Monroe County assessment roll, as of July 1, 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 | $284,801 | $921,247 Land $489,060 Building $432,187 | |
| 2024 | $2,691.00 (+5.28%) | ||
| 2023 | $2,556.00 (+5.14%) Homeowner's exemption | $268,714 (+3%) | $803,192 (-0.77%) Land $395,010 Building $408,182 |
| 2022 | $2,431.00 Homeowner's exemption | $260,888 | $809,442 Land $395,010 Building $414,432 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 43 Dolphin Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 433 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 660 units insured incl. 227 condo units |
| Nearby Flood Claims | 80 (1999–2024) |
| Claims Outside the SFHA | 1 of 80 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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.
Wildfire risk around 43 Dolphin Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 291 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 · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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