444 Ave A, Key Largo, FL 33037 Property Records

Monroe County property record for 444 Ave A, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,511 sqft · built 1980
Lot Size	0.305 acres (13,300 sqft)
Owner	Individual Name on File
Tax Bill	$5,069 (2024)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00476130-000000`

Property Details

APN / Parcel Number

Primary APN	`00476130-000000`
Alternative APNs	`11613900476130000000` `1583251`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,511 sqft Living Area
1st Floor Area	1,448 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Geodesic/Dome
Roof Material	Concrete
Lot Area	13,300 sqft (0.305 acres)
Garage Type	Covered
Garage Area	570 sqft
Porch	Florida Room
Porch Area	1,464 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1583251
Street Address	444 AVENUE A
City	KEY LARGO
State	FL
Zip	33037-4825
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU-1
Legal Description	BK 11 LTS 1 AND 2 LARGO SOUND VILLAGE KEY LARGO PB4-92 OR310-582 OR310-583 OR805-111 OR1044-1937 OR1585-198/99 OR2252-2153 OR2595-310
Legal Range	39E
Legal Township	61S
Legal Section	11
Legal Subdivision	LARGO SOUND VILLAGE
Legal Block	11
Legal Lot Number	1,2
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

444 Ave A is owned and occupied by an individual who acquired it in April 2025.

Source: Monroe County records, as of April 29, 2026

Owner of Record	Individual Name on File
Mailing Address	444 AVENUE A, KEY LARGO, FL 33037-4825
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2025
Deed Sale	Apr 7, 2025
Prior Sale	Oct 23, 2012 · Amount on File
Deed Document Number	20252496046
Deed Book / Page	3320 / 205
Prior Transfer Date	Mar 4, 2025
Prior Transfer Doc	0033200205
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Recording Date	Apr 20, 2026
Property Address	444 AVENUE A, KEY LARGO, FL 33037-4825
Document Number	0002540138
Book / Page	3376 / 2000
Instrument Date	Apr 11, 2026
Instrument	20262540138
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	444 AVENUE A, KEY LARGO, FL 33037-4825

Mortgage

Document Number	0002540138,
Date	Apr 20, 2026
Book Page	3376/2000
Instrument	20262540138

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	444 AVENUE A, KEY LARGO, FL 33037-4825
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	444 AVENUE A, KEY LARGO, FL 33037-4825

Mortgage

Document Number	0030600446
Date	Dec 3, 2020
Book Page	3060/446
Instrument	2293195

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	239 Months
Due	Nov 1, 2040

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	444 AVENUE A, KEY LARGO, FL 33037-4825
Document Number	0028420982
Book / Page	002842 / 000982
Instrument Date	Feb 24, 2017
Transaction Type	Mortgage
Record Updated	May 24, 2017
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3231 RIVERSTONE DR AUGUSTA GA 309079290, AUGUSTA, GA 30907-9290

Mortgage

Document Number	0028420982
Date	Mar 7, 2017
Book Page	002842/000982
Instrument	2113209

Lender

Name	SPRING EQ LLC
Address	2929 ARCH ST # 500, PHILADELPHIA, PA 19104-2858

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 6, 2032

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		$595,088	$794,796 Land $442,624 Building $352,172
2024	$5,069.00 (+3.87%)
2023	$4,880.00 (+17.11%) Homeowner's exemption	$561,473 (+15.13%)	$811,858 (+20.3%) Land $468,160 Building $343,698
2022	$4,167.00 Homeowner's exemption	$487,698	$674,834 Land $383,040 Building $291,794

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

Flood

FEMA maps place 444 Ave A 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 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

Wildfire risk around 444 Ave A is low, with a 0.05% annual chance of 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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