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45 Coconut Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 45 Coconut Dr, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,584 sqft · built 2019
Lot Size0.06 acres (2,650 sqft)
OwnerIndividual Name on Record
Last Sale$425,000 (Jul 2019)
Tax Bill$3,240 (2024)
Deeds & MortgagesJun 2020 Mortgage
Jul 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN00527030-000000

Property Details

APN / Parcel Number

Primary APN00527030-000000
Alternative APNs
  • 28613900527030000000
  • 1646261

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,584 sqft Living Area
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2023
Exterior MaterialOther
Foundation TypePile
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area2,650 sqft (0.06 acres)
Lot Dimensions50 ft deep x 53 ft wide
PorchOpen Porch
FenceFence

Utilities, Heating & Cooling

Heating SystemForced Air

Location & Zoning

Account Number1646261
Old Parcel Number28613900527030000000
Street Address45 COCONUT DR
CityKEY LARGO
StateFL
Zip33037-2565
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 16 LT 23 AMD PLAT OF PB3-62 KEY LARGO PARK KEY LARGO OR487-804/05 OR835-2284 OR841-2130C OR871-1878 OR2034-1942
Legal Range39E
Legal Township61S
Legal Section28
Legal SubdivisionKEY LARGO PARK AMD
Legal Block16
Legal Lot Number23
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group1
Census Block1034
Census Tract970500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed AreaWithin 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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address45 COCONUT DR, KEY LARGO, FL 33037-2565
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 9, 2020Deed of Trust, Mortgage · Conventional Mortgage
EAGLE HOME MORTGAGE LLC
Jul 16, 2019Warranty Deed, Transfer · Conventional Mortgage
EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 16, 2019 · Amount on Record
Deed SaleJul 16, 2019 · Amount on Record
Deed Document Number2228845
Deed Book / Page2975 / 0814
Record UpdatedJun 8, 2026

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address45 COCONUT DR, KEY LARGO, FL 33037-2565
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0030252474
DateJun 9, 2020
Book Page3025/2474
Instrument2268720
Lender
NameEAGLE HOME MORTGAGE LLC
TypeMortgage Company
AddressMIAMI, FL 33172
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2050

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJul 16, 2019
Property Address45 COCONUT DR, KEY LARGO, FL 33037-2565
Document Number0029750814
Book / Page2975 / 0814
Map ReferenceMB 3 PG 62
Instrument DateMar 27, 2019
Instrument2228845
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,975.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6095 SW 25TH ST, 6095, MIAMI, FL 33155-3170

Transferred To (Grantee/Buyer)

NameVerified Name
Address16201 SW 284TH ST, HOMESTEAD, FL 33033-1031

Mortgage

Document Number0029750816
DateJul 16, 2019
Instrument2975-0816
Lender
NameEAGLE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2049

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$360,156 (+5.99%)$563,607 (+6.94%) Land $210,211 Building $353,396
2024$3,240.00 (+4.82%)
2023$3,091.00 (+5.49%) Homeowner's exemption$339,812 (+3%)$527,012 (+1.38%) Land $199,148 Building $327,864
2022$2,930.00 Homeowner's exemption$329,915$519,856 Land $199,148 Building $320,708

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 177 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies204 units insured
incl. 27 condo units
Nearby Flood Claims50 (1984–2025)
Claims Outside the SFHA8 of 50
Most Recent ClaimJun 2025 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 8 claims
  • Hurricane Wilma, Oct 2005 · 20 claims
  • Hurricane Georges, Sep 1998 · 9 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 RiskNot 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 222 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20

May also be available: Hotwire Communications.

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