Monroe County property record for 44 S Bridge Ln, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 6.5 ba · 5,234 sqft · built 2012 |
| Lot Size | 0.403 acres (17,550 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,900,000 (Nov 2015) |
| Tax Bill | $20,759 (2024) |
| Deeds & Mortgages | Dec 2023 Mortgage Jan 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00573670-004400 |
| Primary APN | 00573670-004400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 6.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,234 sqft Living Area |
| Gross Area | 5,852 sqft |
| 1st Floor Area | 4,042 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Other |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 17,550 sqft (0.403 acres) |
| Garage Type | Attached |
| Garage Area | 618 sqft |
| Pool Area | 180 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 1,538 sqft |
| Patio Area | 1,515 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1711471 |
|---|---|
| Street Address | 44 S BRIDGE LN |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5101 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 3 LT 44 HARBOR COURSE SEC FOUR OCEAN REEF PLAT NO 13 KEY LARGO PB7-8 OR883-1502 OR885-376 OR1056-2076 OR1075-2263 OR1186-2018 OR1203-777 OR2217-560 OR2217-580 OR2218-804 OR2224-533 OR2234-2382 OR2573-1257 OR2769-910 |
| Legal Range | 40E |
| Legal Township | 59S |
| Legal Section | 13 |
| Legal Subdivision | HARBOR COURSE SEC 4 O.R. #13 REPLAT |
| Legal Block | 3 |
| Legal Lot Number | 44 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3042 |
| Census Tract | 972700 |
44 S Bridge Ln is owned and occupied by two individuals who bought it in November 2015.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 44 S BRIDGE LN, KEY LARGO, FL 33037-5101 |
| 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.
| Date | Document |
|---|---|
| Dec 18, 2023 | Deed of Trust, Mortgage · Conventional Mortgage THE NORTHERN TRUST COMPANY |
| Jan 9, 2020 | Deed of Trust, Mortgage NORTHERN TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 12, 2015 · Amount on File |
| Deed Sale | Nov 12, 2015 · Amount on File |
| Prior Sale | Feb 1, 1992 · Amount on File |
| Deed Document Number | 20152052867 |
| Deed Book / Page | 2769 / 910 |
| Prior Transfer Date | Aug 24, 2006 |
| Prior Transfer Doc | 0022342382 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 44 S BRIDGE LN, KEY LARGO, FL 33037-5101 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2831 S BAYSHORE DR, MIAMI, FL 33133-6061 |
| Document Number | 0032550914 |
|---|---|
| Date | Dec 18, 2023 |
| Book Page | 3255/914 |
| Instrument | 2444819 |
| Name | THE NORTHERN TRUST COMPANY |
|---|---|
| Type | Private Party |
| Address | 50 S LA SALLE ST, CHICAGO, IL 60603 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 44 S BRIDGE LN, KEY LARGO, FL 33037-5101 |
| Document Number | 0030040101 |
| Instrument Date | Jan 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4900 SW 74TH TER MIAMI FL 331436133, MIAMI, FL 33143-6133 |
| Document Number | 0030040101 |
|---|---|
| Date | Jan 16, 2020 |
| Book Page | 003004/000101 |
| Instrument | 2252268 |
| Name | NORTHERN TR |
|---|---|
| Address | 50 S LA SALLE ST, CHICAGO, IL 60603-1008 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 15, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
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 | $3,260,549 Land $1,848,278 Building $1,412,271 | $3,260,549 Land $1,848,278 Building $1,412,271 | |
| 2024 | $20,759.00 (+10.61%) | ||
| 2023 | $18,767.00 (+20.81%) | $3,153,391 (+30.91%) Land $1,790,100 Building $1,363,291 | $3,153,391 (+30.91%) Land $1,790,100 Building $1,363,291 |
| 2022 | $15,534.00 | $2,408,756 Land $1,038,258 Building $1,370,498 | $2,408,756 Land $1,038,258 Building $1,370,498 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 44 S Bridge Ln 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 | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 838 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 1,585 units insured incl. 747 condo units |
| Nearby Flood Claims | 78 (2005–2023) |
| Claims Outside the SFHA | 1 of 78 |
| 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 44 S Bridge Ln is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · lower than 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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