Monroe County property record for 446 Largo Ave, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,284 sqft · built 1959 |
| Lot Size | 0.12 acres (5,270 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $615,000 (Dec 2025) |
| Tax Bill | $3,745 (2024) |
| Deeds & Mortgages | Dec 2025 Sale Sep 2019 Sale & Construction Loan |
| Flood Zone | Zone AE (high risk) |
| APN | 00467540-000000 |
| Primary APN | 00467540-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,284 sqft Living Area |
| 1st Floor Area | 792 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,270 sqft (0.12 acres) |
| Garage Area | 492 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Deck Area | 400 sqft |
| Patio Area | 760 sqft |
| Fence | Fence |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Account Number | 1570940 |
|---|---|
| Old Parcel Number | 14613900467540000000 |
| Street Address | 446 LARGO AVE |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4622 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 6 LT 8 SOUTH CREEK VILLAGE KEY LARGO PB3-85 OR447-130 OR565-910D/C OR695-21 OR1340-1235/36 OR1398-1335/40C |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 14 |
| Legal Subdivision | SOUTH CREEK VILLAGE |
| Legal Block | 6 |
| Legal Lot Number | 8 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 970400 |
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.
Source: Monroe County records, as of January 8, 2026
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 446 LARGO AVE, KEY LARGO, FL 33037-4622 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 9, 2025 | Warranty Deed, Transfer CORAL REEF TITLE COMPANY |
| Sep 23, 2019 | Warranty Deed, Transfer · Construction Mortgage RUTH STOKY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 9, 2025 · Amount on Record |
| Deed Sale | Dec 9, 2025 · Amount on Record |
| Prior Sale | Sep 23, 2019 · Amount on Record |
| Deed Document Number | 2524917 |
| Deed Book / Page | 3357 / 529 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Dec 9, 2025 |
| Property Address | 446 LARGO AVE, KEY LARGO, FL 33037-4622 |
| Document Number | 0033570529 |
| Book / Page | 3357 / 529 |
| Map Reference | MB 3 PG 85 |
| Instrument Date | Dec 8, 2025 |
| Instrument | 2524917 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2026 |
| Title Company | CORAL REEF TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,305.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14 RAINBOW DR, KEY LARGO, FL 33037-3209 |
| Name | Verified Name |
|---|---|
| Address | 446 LARGO AVE, KEY LARGO, FL 33037-4622 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 23, 2019 |
| Property Address | 446 LARGO AVE, KEY LARGO, FL 33037-4622 |
| Document Number | 0029852269 |
| Book / Page | 002985 / 002269 |
| Instrument Date | Sep 18, 2019 |
| Instrument | 2237700 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2019 |
| Title Company | CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,666.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 14 RAINBOW DR KEY LARGO FL 330373209, KEY LARGO, FL 33037-3209 |
| Document Number | 29852270 |
|---|---|
| Date | Sep 23, 2019 |
| Book Page | 002985/002270 |
| Instrument | 2237701 |
| Name | RUTH STOKY |
|---|---|
| Address | 31 OCEAN REEF DR, KEY LARGO, FL 33037-5282 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 22, 2020 |
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 | $475,597 (-0.28%) Land $279,521 Building $196,076 | $475,597 (-0.28%) Land $279,521 Building $196,076 | |
| 2024 | $3,745.00 (+8.71%) | ||
| 2023 | $3,445.00 (+20.5%) | $476,942 (+40.88%) Land $295,647 Building $181,295 | $476,942 (+40.88%) Land $295,647 Building $181,295 |
| 2022 | $2,859.00 | $338,533 Land $241,893 Building $96,640 | $338,533 Land $241,893 Building $96,640 |
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 | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 73 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
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