Monroe County property record for 433 Collins St, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,520 sqft · built 2023 |
| Lot Size | 0.229 acres (10,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $32,000 (Mar 1998) |
| Tax Bill | $4,890 (2024) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 00467400-000000 |
| Primary APN | 00467400-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,520 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Other |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 10,000 sqft (0.229 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Porch | Open Porch |
| Heating System | Forced Air |
|---|
| Account Number | 1570800 |
|---|---|
| Old Parcel Number | 14613900467400000000 |
| Street Address | 433 COLLINS ST |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4645 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 5 LTS 14-15 SOUTH CREEK VILLAGE KEY LARGO PB3-85 OR506-199 OR608-288 OR820-911 OR878-1748 OR1123-2158/59P/R OR1168-2268 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 14 |
| Legal Subdivision | SOUTH CREEK VILLAGE |
| Legal Block | 5 |
| Legal Lot Number | 14-15 15 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 4 |
| Census Block | 4040 |
| 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.
433 Collins St is owned and occupied by two individuals who bought it in March 1998.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 433 COLLINS ST, KEY LARGO, FL 33037-4645 |
| 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 | Mar 1, 1998 · Amount on File |
| Deed Sale | Mar 1, 1998 · Amount on File |
| Deed Document Number | 0000150541 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 433 COLLINS ST, KEY LARGO, FL 33037 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2021 |
| Name | Verified Name |
|---|---|
| Address | 435 COLLINS ST, KEY LARGO, FL 33037-4645 |
| Document Number | 0031192204 |
|---|---|
| Date | Aug 16, 2021 |
| Book Page | 3119/2204 |
| Instrument | 2335403 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29406 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
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 | $613,948 | $906,843 Land $238,650 Building $668,193 | |
| 2024 | $4,890.00 (+512.78%) | ||
| 2023 | $798.00 (-0.62%) | $249,750 (-) Land $249,750 | $249,750 (-) Land $249,750 |
| 2022 | $803.00 | $249,750 Land $249,750 | $249,750 Land $249,750 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 433 Collins St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 167 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 167 in force |
| Nearby Flood Claims | 68 (1992–2023) |
| Claims Outside the SFHA | 4 of 68 |
| 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.
Wildfire risk around 433 Collins St is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 305 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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