Monroe County property record for 44 Spadefish Ln, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 4,110 sqft · built 1981 |
| Lot Size | 0.449 acres (19,595 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,250,000 (Sep 1994) |
| Tax Bill | $23,219 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00569441-004400 |
| Primary APN | 00569441-004400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,110 sqft Living Area |
| 1st Floor Area | 4,069 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Other |
| Construction Type | Concrete |
| Foundation Type | Pile |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 19,595 sqft (0.449 acres) |
| Garage Area | 546 sqft |
| Pool Area | 448 sqft |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 2,657 sqft |
| Patio Area | 2,490 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1698717 |
|---|---|
| Old Parcel Number | 07594100569441004400 |
| Street Address | 44 SPADEFISH LN |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 44 ANGELFISH CAY-OCEAN REEF PLAT NO 5 KEY LARGO PB6-17 OR537-872 OR1323-2024/25 |
| Legal Range | 41E |
| Legal Township | 59S |
| Legal Section | 07 |
| Legal Subdivision | ANGELFISH CAY PLAT #5 |
| Legal Lot Number | 44 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3050 |
| Census Tract | 972700 |
Source: Monroe County records, as of December 5, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 44 SPADEFISH LN, KEY LARGO, FL 33037-5226 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 21, 1994 · Amount on Record |
| Deed Sale | Sep 21, 1994 · Amount on Record |
| Deed Document Number | 0132302024 |
| Deed Book / Page | 01323 / 02024 |
| Record Updated | Jun 8, 2026 |
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 | $3,529,644 (+5.99%) | $11,092,425 (+13.16%) Land $9,633,907 Building $1,458,518 | |
| 2024 | $23,219.00 (+2.15%) | ||
| 2023 | $22,730.00 (+4.76%) Homeowner's exemption | $3,330,263 (+3%) | $9,802,772 (+34.6%) Land $8,375,507 Building $1,427,265 |
| 2022 | $21,698.00 Homeowner's exemption | $3,233,266 | $7,282,741 Land $5,831,049 Building $1,451,692 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 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.
Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
5G (outdoors only) and 4G LTE
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