Monroe County property record for 437 Laguna Ave, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,483 sqft · built 1990 |
| Lot Size | 0.326 acres (14,215 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $2,200,000 (Nov 2021) |
| Tax Bill | $20,034 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00453475-005300 |
| Primary APN | 00453475-005300 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 3 Stories |
| Building Area | 2,483 sqft Living Area |
| Gross Area | 3,548 sqft |
| 1st Floor Area | 2,024 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,215 sqft (0.326 acres) |
| Lot Dimensions | 110 ft deep x 85 ft wide |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 1,065 sqft |
| Pool Area | 450 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 1,130 sqft |
| Patio Area | 2,664 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1555622 |
|---|---|
| Street Address | 437 LAGUNA AVE |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4340 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | LT 437 & TRACT H PORT LARGO FIFTH ADDITION PB6-109 KEY LARGO OR796-2450 OR821-249 OR823-501 OR826-735 OR829-1473 OR1089-503 OR1089-504 OR1226-620 RE453475-019400 COMBINED PER OWNERS REQ 12-31-99 OR1831-2091 OR2115-1733 OR3136-0281 OR3305-0385 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 33 |
| Legal Subdivision | PORT LARGO 5TH ADD |
| Legal Tract | H |
| Legal Lot Number | 437 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 970500 |
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.
437 Laguna Ave is held in a trust since November 2021.
Source: Monroe County records, as of June 9, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 3225 MCLEOD DR, 777, LAS VEGAS, NV 89121-2257 |
| Owner Type | Company |
| Vesting | Trust |
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 | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2021 · Amount on File |
| Deed Sale | Nov 5, 2021 · Amount on File |
| Prior Sale | May 20, 2005 · Amount on File |
| Deed Document Number | 20212347474 |
| Deed Book / Page | 3136 / 281 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 5, 2021 |
| Property Address | 437 LAGUNA AVE, KEY LARGO, FL 33037-4340 |
| Document Number | 0031360281 |
| Book / Page | 3136 / 281 |
| Map Reference | MB 6 PG 109 |
| Instrument Date | Oct 14, 2021 |
| Instrument | 2347474 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Title Company | SUNSHINE TITLE/THE KEYS INC, SUNSHINE TITLE OF KEYS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $15,400.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8565 SW 116TH ST, 8565, MIAMI, FL 33156-4346 |
| Name | Verified Name |
|---|---|
| Address | 7 PLEASANTWOOD WAY, ORMOND BEACH, FL 32174-6765 |
| Document Number | 0003136283 |
|---|---|
| Date | Nov 5, 2021 |
| Instrument | 3136/283 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
The 2025 property tax bill for 437 Laguna Ave was $20,034, up 9.3% from the year before.
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 | $20,034.00 (+9.33%) | $2,382,350 Land $1,246,442 Building $1,135,908 | $2,382,350 Land $1,246,442 Building $1,135,908 |
| 2024 | $18,325.00 (+2.74%) | ||
| 2023 | $17,836.00 (+17.71%) | $2,293,870 (+21.96%) Land $1,194,700 Building $1,099,170 | $2,293,870 (+21.96%) Land $1,194,700 Building $1,099,170 |
| 2022 | $15,153.00 | $1,880,801 Land $784,455 Building $1,096,346 | $1,880,801 Land $784,455 Building $1,096,346 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 437 Laguna Ave 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 | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 595 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 839 units insured incl. 244 condo units |
| Nearby Flood Claims | 304 (1983–2025) |
| Claims Outside the SFHA | 8 of 304 |
| Most Recent Claim | Oct 2025 · 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.
The area around 437 Laguna Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 317 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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