44 Bonefish Ave, Key Largo, FL 33037 Property Records

Monroe County property record for 44 Bonefish Ave, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,136 sqft · built 1973
Lot Size	0.118 acres (5,125 sqft)
Owner	Individual Name on Record
Last Sale	$625,000 (Aug 2025)
Tax Bill	$4,535 (2024)
Deeds & Mortgages	Jun 2023 Mortgage Mar 2023 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00470640-000000`

Property Details

APN / Parcel Number

Primary APN	`00470640-000000`
Alternative APNs	`14613900470640000000` `1577804`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,136 sqft Living Area
1st Floor Area	1,136 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Geodesic/Dome
Roof Material	Concrete
Lot Area	5,125 sqft (0.118 acres)

Exterior Amenities

Porch	Florida Room
Porch Area	1,060 sqft
Deck Area	459 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1577804
Street Address	44 BONEFISH AVE
City	KEY LARGO
State	FL
Zip	33037-4765
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS-M
Legal Description	BK 2 LOT 23 LARGO SOUND PARK PB3-111 KEY LARGO OR551-382 OR587-654 OR714-940 OR714-150 OR1303-1590 OR1427-542 OR2878-203 OR3187-1982 OR3217-1745 OR3232-0753
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	LARGO SOUND PARK
Legal Block	2
Legal Lot Number	23
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	4
Census Block	4013
Census Tract	970400

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 December 8, 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 Record
Mailing Address	44 BONEFISH AVE, KEY LARGO, FL 33037-4765
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2023	Correction Deed · Conventional Mortgage NP INC
Mar 30, 2023	Quit Claim Deed, Transfer Quitclaim
Aug 5, 2022	Warranty Deed, Transfer · Construction Mortgage GLENN LAHTI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2025 · Amount on Record
Deed Sale	Aug 22, 2025 · Amount on Record
Prior Sale	Aug 5, 2022 · Amount on Record
Deed Document Number	20252512790
Deed Book / Page	3341 / 1719
Prior Transfer Date	Jun 20, 2023
Prior Transfer Doc	0002423469
Record Updated	Sep 20, 2026

June 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	MONROE FL
Recording Date	Jun 29, 2023
Property Address	44 BONEFISH AVE, KEY LARGO, FL 33037-4765
Document Number	0032320753
Book / Page	3232 / 753
Map Reference	MB 3 PG 111
Instrument Date	Jun 20, 2023
Instrument	2423469
Record Updated	Jul 20, 2023
Title Company	CORAL REEF TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	90154 OVERSEAS HWY, TAVERNIER, FL 33070-2230

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90154 OVERSEAS HWY, TAVERNIER, FL 33070-2230

Mortgage

Document Number	0032320755
Date	Jun 29, 2023
Book Page	3232/755
Instrument	2423470

Lender

Name	NP INC
Type	Mortgage Company
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Mar 30, 2023
Property Address	44 BONEFISH AVE, KEY LARGO, FL 33037-4765
Document Number	0032171745
Book / Page	3217 / 1745
Map Reference	MB 3 PG 111
Instrument Date	Mar 30, 2023
Instrument	2411894
Transaction Type	Transfer
Record Updated	Apr 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	90154 OVERSEAS HWY, TAVERNIER, FL 33070-2230

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90154 OVERSEAS HWY, TAVERNIER, FL 33070-2230

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 5, 2022
Property Address	44 BONEFISH AVE, KEY LARGO, FL 33037-4765
Document Number	0031871982
Book / Page	3187 / 1982
Map Reference	MB 3 PG 111
Instrument Date	Aug 1, 2022
Instrument	2386551
Transaction Type	Transfer
Record Updated	Jun 1, 2023
Title Company	CORAL REEF TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14 CORTES CT, KEY LARGO, FL 33037

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90154 OVERSEAS HWY, TAVERNIER, FL 33070-2230
Investor	Possibly a Property Investor

Mortgage

Document Number	0031871984
Date	Aug 5, 2022
Book Page	3187/1984
Instrument	2386552

Lender

Name	GLENN LAHTI
Type	Private Party
Address	PO BOX 373006, KEY LARGO, FL 33037

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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		$449,556 (-4.11%) Land $274,495 Building $175,061	$449,556 (-4.11%) Land $274,495 Building $175,061
2024	$4,535.00 (+8.54%)
2023	$4,178.00 (+24.2%)	$468,810 (-2.64%) Land $290,331 Building $178,479	$468,810 (-2.64%) Land $290,331 Building $178,479
2022	$3,364.00	$481,519 Land $336,713 Building $144,806	$481,519 Land $336,713 Building $144,806

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 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 Record 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	Hurricane Irma, Sep 2017 · 39 claims Hurricane Irene, Oct 1999 · 8 claims Hurricane Georges, Sep 1998 · 8 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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% 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 214 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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