430 4th Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 430 4th Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,553 sqft · built 2023
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$825,000 (Jul 2023)
Tax Bill	$6,207 (2024)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Apr 2022 Sale
Flood Zone	Zone AE (high risk)
APN	`00476200-000000`

Property Details

APN / Parcel Number

Primary APN	`00476200-000000`
Alternative APNs	`11613900476200000000` `1583324`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,553 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Other
Foundation Type	Slab (Mat/Raft)
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	1583324
Old Parcel Number	11613900476200000000
Street Address	430 4TH RD
City	KEY LARGO
State	FL
Zip	33037-4805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 11 LT 8 LARGO SOUND VILLAGE PB4-92 KEY LARGO OR598-704 OR1103-1723 OR1103-1724D/C OR1104-1685AFF OR1561-897D/C
Legal Range	39E
Legal Township	61S
Legal Section	11
Legal Subdivision	LARGO SOUND VILLAGE
Legal Block	11
Legal Lot Number	8
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1035
Census Tract	972700

Owner

Source: Monroe County records · APN 00476200-000000

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	430 4TH RD, KEY LARGO, FL 33037-4805
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 06, 2023	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Apr 13, 2022	Warranty Deed, Transfer SUNSHINE TITLE/THE KEYS INC, SUNSHINE TITLE OF KEYS INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 06, 2023 · Amount on Record
Deed Sale	Jul 06, 2023 · Amount on Record
Prior Sale	Apr 13, 2022 · Amount on Record
Deed Document Number	2424029
Deed Book / Page	3232 / 2433
Record Updated	Jun 08, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 06, 2023
Property Address	430 4TH RD, KEY LARGO, FL 33037-4805
Document Number	0032322433
Book / Page	3232 / 2433
Map Reference	MB 4 PG 92
Instrument Date	Jun 15, 2023
Instrument	2424029
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,775.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	122 BAHAMA RD, KEY LARGO, FL 33037-4113

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 4TH RD, KEY LARGO, FL 33037-4805

Mortgage

Document Number	0032322435
Date	Jul 06, 2023
Instrument	3232/2435

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2053

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 13, 2022
Property Address	430 4TH RD, KEY LARGO, FL 33037-4805
Document Number	0031670402
Book / Page	3167 / 402
Map Reference	MB 4 PG 92
Instrument Date	Mar 30, 2022
Instrument	2370616
Transaction Type	Transfer
Record Updated	May 05, 2022
Title Company	SUNSHINE TITLE/THE KEYS INC, SUNSHINE TITLE OF KEYS INC

Transaction

Amount	Amount Recorded
Tax	$1,585.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8545 SW 58TH ST, 8545, MIAMI, FL 33143-1507

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 BAHAMA RD, KEY LARGO, FL 33037-4113

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$685,494 (+196.75%) Land $312,000 Building $373,494	$685,494 (+196.75%) Land $312,000 Building $373,494
2024	$6,207.00 (+140.49%)
2023	$2,581.00 (+156.05%)	$231,000 (+6.94%) Land $231,000	$231,000 (+6.94%) Land $231,000
2022	$1,008.00	$216,000 Land $216,000	$216,000 Land $216,000

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	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

Wildfire

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 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 as of August 1, 2026 · Last verified October 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.

Internet Providers

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250

Based on FCC filings for 178 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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