439 4th Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 439 4th Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,403 sqft · built 1989
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on Record
Last Sale	$740,000 (Aug 2022)
Tax Bill	$3,901 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00476090-000000`

Property Details

APN / Parcel Number

Primary APN	`00476090-000000`
Alternative APN	`1583219`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,403 sqft Living Area
Gross Area	2,688 sqft
1st Floor Area	2,403 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2013
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	285 sqft
Porch	Florida Room
Porch Area	1,551 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1583219
Street Address	439 4TH RD
City	KEY LARGO
State	FL
Zip	33037-4804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU-1
Legal Description	BK 10 LT 21 LARGO SOUND VILLAGE PB4-92 KEY LARGO OR619-858 OR1079-658 OR1094-2043 OR1260-1128 OR1439-2220 OR1631-1781 OR3192-0133
Legal Range	39E
Legal Township	61S
Legal Section	11
Legal Subdivision	LARGO SOUND VILLAGE
Legal Block	10
Legal Lot Number	21
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1026
Census Tract	972700

Historic Designation

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.

Owner

Source: Monroe County records, as of May 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	439 4TH RD, KEY LARGO, FL 33037-4804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2022 · Amount on Record
Deed Sale	Aug 30, 2022 · Amount on Record
Prior Sale	May 4, 2000 · Amount on Record
Deed Document Number	20222389706
Deed Book / Page	3192 / 133
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 30, 2022
Property Address	439 4TH RD, KEY LARGO, FL 33037-4804
Document Number	0031920133
Book / Page	3192 / 133
Map Reference	MB 4 PG 92
Instrument Date	Aug 29, 2022
Instrument	2389706
Transaction Type	Transfer
Record Updated	Sep 29, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	439 4TH RD, 439, KEY LARGO, FL 33037-4804

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 4TH RD, KEY LARGO, FL 33037-4804

Mortgage

Document Number	0003192135
Date	Aug 30, 2022
Instrument	3192/135

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,901.00 (+4.64%) Homeowner's exemption	$420,102 (+5.99%)	$590,206 (-0.56%) Land $312,000 Building $278,206
2024	$3,728.00 (+4.46%)
2023	$3,569.00 (+69.07%) Homeowner's exemption	$396,372 (+80.99%)	$593,556 (+27.62%) Land $330,000 Building $263,556
2022	$2,111.00 Homeowner's exemption	$219,005	$465,100 Land $270,000 Building $195,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 178 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

Cell Coverage

5G (outdoors only) and 4G LTE

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