440 4th Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 440 4th Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,182 sqft · built 1974
Lot Size	0.137 acres (6,000 sqft)
Owner	Company Name on Record
Last Sale	$100 (Oct 2019)
Tax Bill	$6,204 (2024)
Deeds & Mortgages	Jul 2018 Mortgage Oct 2019 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`00476150-000000`

Property Details

APN / Parcel Number

Primary APN	`00476150-000000`
Alternative APNs	`11613900476150000000` `1583278`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,182 sqft Living Area
1st Floor Area	1,200 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2010
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Pile
Roof Type	Reinforced Concrete
Roof Material	Other
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Area	450 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	324 sqft
Patio Area	30 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1583278
Old Parcel Number	11613900476150000000
Street Address	440 4TH RD
City	KEY LARGO
State	FL
Zip	33037-4805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 11 LT 3 LARGO SOUND VILLAGE KEY LARGO PB4-92 OR551-311 OR765-1515 OR1051-1495 OR1732-78/91FJ OR1798-67O OR1798-671
Legal Range	39E
Legal Township	61S
Legal Section	11
Legal Subdivision	LARGO SOUND VILLAGE
Legal Block	11
Legal Lot Number	3
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1035
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 December 5, 2025

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

Owner of Record	Company Name on Record
Mailing Address	5803 NW 151ST ST STE 203, 203, MIAMI LAKES, FL 33014-2473
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2018	Deed of Trust, Mortgage · Commercial Mortgage CENTERSTATE BANK
Oct 4, 2019	Grant Deed, Transfer NOT AVAILABLE
May 14, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2019 · Amount on Record
Deed Sale	Oct 4, 2019 · Amount on Record
Prior Sale	May 14, 2018
Deed Document Number	2239536
Deed Book / Page	2988 / 0693
Record Updated	Jun 8, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	440 4TH RD, KEY LARGO, FL 33037-4805
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029191082
Date	Jul 27, 2018
Book Page	2919/1082
Instrument	2179969

Lender

Name	CENTERSTATE BANK
Type	Bank
Address	KEY LARGO, FL 33037

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Jun 29, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE FL
Recording Date	Oct 4, 2019
Property Address	440 4TH RD, KEY LARGO, FL 33037-4805
Document Number	0029880693
Book / Page	002988 / 000693
Instrument Date	Oct 2, 2019
Instrument	2239536
Transaction Type	Transfer
Record Updated	Nov 5, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5803 NW 151ST ST #203 MIAMI LAKES FL 330142473, 203, MIAMI LAKES, FL 33014-2473

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE FL
Recording Date	May 14, 2018
Property Address	440 4TH RD, KEY LARGO, FL 33037-4805
Document Number	0029061541
Book / Page	002906 / 001541
Instrument Date	May 10, 2018
Instrument	2168983
Transaction Type	Transfer
Record Updated	Jun 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14240 NW 18TH MNR #H PEMBROKE PINES FL 330282817, H, PEMBROKE PINES, FL 33028-2817

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$629,346 (-0.75%) Land $312,000 Building $317,346	$629,346 (-0.75%) Land $312,000 Building $317,346
2024	$6,204.00 (+8.8%)
2023	$5,702.00 (+11.09%)	$634,112 (+12.92%) Land $330,000 Building $304,112	$634,112 (+12.92%) Land $330,000 Building $304,112
2022	$5,133.00	$561,535 Land $270,000 Building $291,535	$561,535 Land $270,000 Building $291,535

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 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	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.

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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