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432 Lime Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 432 Lime Dr, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,257 sqft · built 1986
Lot Size0.123 acres (5,350 sqft)
Owner2 Individual Names on File
Last Sale$410,000 (May 2022)
Tax Bill$4,197 (2025)
Deeds & MortgagesMay 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN00464540-000000

Property Details

APN / Parcel Number

Primary APN00464540-000000
Alternative APNs
  • 22613900464540000000
  • 1567965

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,257 sqft Living Area
1st Floor Area1,257 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 2005
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGeodesic/Dome
Roof MaterialConcrete
Lot Area5,350 sqft (0.123 acres)
Lot Dimensions107 ft deep x 50 ft wide
PorchSlab
Porch Area225 sqft
Patio Area48 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1567965
Street Address432 LIME DR
CityKEY LARGO
StateFL
Zip33037-4542
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 5 LT 6 PAMELA VILLA KEY LARGO PB3-125 OR622-819 OR969-2468 OR989-1456 OR1060-1106/07C/T OR1073-2253 OR1302-543/44F/J OR1329-20/21 OR1329-22 OR1910-727 OR1954-561 OR1930-2430 OR3172-1435
Legal Range39E
Legal Township61S
Legal Section22
Legal SubdivisionPAMELA VILLA
Legal Block5
Legal Lot Number6
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2032
Census Tract970400

Owner

Source: Monroe County assessment roll, APN 00464540-000000, as of December 8, 2025 · Last verified May 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 Address432 LIME DR, KEY LARGO, FL 33037-4542
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 09, 2022 · Amount on Record
Deed SaleMay 09, 2022 · Amount on Record
Prior SaleJul 21, 2003 · Amount on Record
Deed Document Number20222374624
Deed Book / Page3172 / 1435
Prior Transfer DateSep 20, 2003
Prior Transfer Doc0001411223
Record UpdatedJun 08, 2026

May 2022: Deed, Transfer

Document TypeDeed
JurisdictionMONROE FL
Recording DateMay 09, 2022
Property Address432 LIME DR, KEY LARGO, FL 33037-4542
Document Number0031721435
Book / Page3172 / 1435
Map ReferenceMB 3 PG 125
Instrument DateMay 04, 2022
Instrument2374624
Transaction TypeTransfer
Record UpdatedMay 31, 2022
Title CompanyABSOLUTE FIRST TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,870.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address962 SHAW DR, 962, KEY LARGO, FL 33037-2781

Transferred To (Grantee/Buyer)

NameVerified Name
Address432 LIME DR, KEY LARGO, FL 33037-4542

Mortgage

Document Number0031721437
DateMay 09, 2022
Instrument3172/1437
Lender
NameEAST COAST MORTGAGE LENDERS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2052

Tax Assessment & Valuation

Source: Monroe County assessment roll as of December 8, 2025 · Last verified May 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$4,197.00 (+4.69%) Homeowner's exemption$458,302 (+5.99%)$492,205 (+13.83%) Land $278,200 Building $214,005
2024$4,009.00 (+4.29%)
2023$3,844.00 (+16.56%) Homeowner's exemption$432,414 (+11.16%) Land $262,150 Building $170,264$432,414 (+11.16%) Land $262,150 Building $170,264
2022$3,298.00$388,995 Land $203,300 Building $185,695$388,995 Land $203,300 Building $185,695

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879704002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 245 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies245 in force
Nearby Flood Claims161 (1992–2023)
Claims Outside the SFHA6 of 161
Most Recent ClaimNov 2023 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 91 claims
  • Hurricane Irene, Oct 1999 · 31 claims
  • Hurricane Georges, Sep 1998 · 11 claims

Wildfire

Wildfire RiskLow
lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood0.02% annual chance
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 as of August 1, 2026 · 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, 344 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250
T-Mobile USA
Fixed Wireless		100 / 20

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