Monroe County property record for 45 Seagate Blvd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 2,833 sqft · built 2001 |
| Lot Size | 0.241 acres (10,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $100 (Jun 2019) |
| Tax Bill | $13,461 (2024) |
| Deeds & Mortgages | Oct 2022 Transfer Sep 2017 Line of Credit + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00502660-000000 |
| Primary APN | 00502660-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,833 sqft Living Area |
| 1st Floor Area | 2,833 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 10,500 sqft (0.241 acres) |
| Lot Dimensions | 140 ft deep x 75 ft wide |
| View / Lot | Canal |
| Pool Area | 510 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 1,925 sqft |
| Patio Area | 1,350 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1620521 |
|---|---|
| Street Address | 45 SEAGATE BLVD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4369 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 7 LT 19 KEY LARGO BEACH PB2-149 KEY LARGO OR450-941/942 OR726-162 OR726-157 OR774-3 OR833-947/948 OR1542-2481/82 OR2970-1232 OR2979-0140 OR3196-1387 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 33 |
| Legal Subdivision | KEY LARGO BEACH |
| Legal Block | 7 |
| Legal Lot Number | 19 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 970500 |
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.
45 Seagate Blvd is owned by two individuals who acquired it in October 2022.
Source: Monroe County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 13443 SW 27TH ST, MIAMI, FL 33175-8807 |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 5, 2022 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Sep 28, 2017 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Oct 8, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Aug 8, 2019 | Correction Deed, Transfer ATTORNEY ONLY |
| Jun 17, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 2019 · Amount on File |
| Deed Sale | Jun 17, 2019 · Amount on File |
| Prior Sale | Oct 29, 1998 · Amount on File |
| Deed Document Number | 20192225013 |
| Deed Book / Page | 2970 / 1232 |
| Last Transfer Date | Oct 5, 2022 |
| Transfer Doc | 0031961387 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Oct 5, 2022 |
| Property Address | 45 SEAGATE BLVD, KEY LARGO, FL 33037-4369 |
| Document Number | 0031961387 |
| Book / Page | 3196 / 1387 |
| Map Reference | MB 2 PG 149 |
| Instrument Date | Oct 5, 2022 |
| Instrument | 2393426 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13443 SW 27TH ST, 13443, MIAMI, FL 33175-8807 |
| Name | Verified Name |
|---|---|
| Address | 13443 SW 27TH ST, MIAMI, FL 33175-8807 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 45 SEAGATE BLVD, KEY LARGO, FL 33037-4369 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0028722162 |
|---|---|
| Date | Sep 28, 2017 |
| Book Page | 2872/2162 |
| Instrument | 2138195 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | AILEY, GA 30410 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 6, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 45 SEAGATE BLVD, KEY LARGO, FL 33037-4369 |
| Document Number | 0029970273 |
| Instrument Date | Oct 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SVCS |
| Name | Verified Name |
|---|---|
| Address | 45 SEAGATE BLVD KEY LARGO FL 330374369, KEY LARGO, FL 33037-4369 |
| Document Number | 0029970273 |
|---|---|
| Date | Dec 2, 2019 |
| Book Page | 002997/000273 |
| Instrument | 2246705 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 8, 2019 |
| Property Address | 45 SEAGATE BLVD, KEY LARGO, FL 33037-4369 |
| Document Number | 0029790140 |
| Book / Page | 002979 / 000140 |
| Instrument Date | Aug 7, 2019 |
| Instrument | 2231867 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $1.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45 SEAGATE BLVD KEY LARGO FL 330374369, KEY LARGO, FL 33037-4369 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jun 17, 2019 |
| Property Address | 45 SEAGATE BLVD, KEY LARGO, FL 33037-4369 |
| Document Number | 0029701232 |
| Book / Page | 002970 / 001232 |
| Instrument Date | Jun 13, 2019 |
| Instrument | 2225013 |
| Transaction Type | Transfer |
| Record Updated | Jul 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 45 SEAGATE BLVD KEY LARGO FL 330374369, KEY LARGO, FL 33037-4369 |
Source: Monroe County assessment roll, as of December 8, 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 | $1,521,332 Land $827,925 Building $693,407 | $1,521,332 Land $827,925 Building $693,407 | |
| 2024 | $13,461.00 (+6.15%) | ||
| 2023 | $12,681.00 (+92.11%) | $1,501,486 (+86.84%) Land $827,925 Building $673,561 | $1,501,486 (+10.74%) Land $827,925 Building $673,561 |
| 2022 | $6,601.00 Homeowner's exemption | $803,629 | $1,355,860 Land $660,161 Building $695,699 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Seagate Blvd 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 | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 595 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 839 units insured incl. 244 condo units |
| Nearby Flood Claims | 304 (1983–2025) |
| Claims Outside the SFHA | 8 of 304 |
| Most Recent Claim | Oct 2025 · 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.
Wildfire risk around 45 Seagate Blvd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 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 425 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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