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49 Pumpkin Cay Rd, #B, Key Largo, FL 33037 Property Records

Monroe County property record for 49 Pumpkin Cay Rd, #B, Key Largo, FL 33037

Property Summary

Property TypeCondominium
Details4 bd · 4 ba · 1,991 sqft · built 1975
Lot Size2.95 acres (128,653 sqft)
Owner2 Individual Names on File
Last Sale$2,925,000 (Jan 2019)
Tax Bill$27,306 (2024)
Deeds & MortgagesJan 2019 Sale
Sep 2018 Line of Credit
+ 1 more
Flood ZoneZone AE (high risk)
APN00569513-000318

Property Details

APN / Parcel Number

Primary APN00569513-000318
Alternative APNs
  • 07594100569513000318
  • 1701581

Interior

Bedrooms4 Beds
Full Baths4 Baths
Building Area1,991 sqft Living Area

Exterior

Year BuiltBuilt 1975
Lot Area128,653 sqft

Location & Zoning

Account Number1701581
Old Parcel Number07594100569513000318
Street Address49 PUMPKIN CAY RD # B, B
CityKEY LARGO
StateFL
Zip33037-3750
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionPRIVATE DWELLING NO PC-49-B PUMPKIN CAY CONDOMINIUM NO 9 OR699-899 OR856-351 OR856-353 OR1300-1052/1054 OR2626-2257/2260
Legal Range41E
Legal Township59S
Legal Section07
Legal SubdivisionPUMPKIN CAY O.R. #7 2ND REV
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group3
Census Block3050
Census Tract972700

Owner

49 Pumpkin Cay Rd, #B is owned by two individuals who bought it in January 2019.

Source: Monroe County records, as of December 5, 2025

Owner of Record2 Individual Names on File
Mailing Address66 YOUNGS RD, BASKING RIDGE, NJ 07920-4033
Owner TypeIndividual

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

DateDocument
Jan 10, 2019Warranty Deed, Transfer
ATTORNEY ONLY
Sep 24, 2018Deed of Trust, Mortgage · Line of Credit
IBERIABANK
May 5, 2017Deed of Trust, Mortgage
GIBRALTAR PRIVATE BK&TR FSB

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 10, 2019 · Amount on File
Deed SaleJan 10, 2019 · Amount on File
Prior SaleMay 2, 2013 · Amount on File
Deed Document Number2201303
Deed Book / Page2944 / 0302
Record UpdatedJun 8, 2026

January 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJan 10, 2019
Property Address49 PUMPKIN CAY RD # B, B, KEY LARGO, FL 33037-3750
Document Number0029440302
Book / Page002944 / 000302
Instrument DateJan 9, 2019
Instrument2201303
Transaction TypeTransfer
Record UpdatedFeb 11, 2019
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address66 YOUNGS RD BASKING RIDGE NJ 079204033, BASKING RIDGE, NJ 07920-4033

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address49 PUMPKIN CAY RD # B, B, KEY LARGO, FL 33037-3750
Document Number0029292373
Instrument DateSep 24, 2018
Transaction TypeMortgage
Record UpdatedOct 30, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address49 PUMPKIN CAY RD #B KEY LARGO FL 330373750, B, KEY LARGO, FL 33037-3750

Mortgage

Document Number0029292373
DateOct 3, 2018
Book Page002929/002373
Instrument2189097
Lender
NameIBERIABANK
TypeBank
AddressKEY LARGO, FL 33037
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueOct 2, 2048
Interest
Rate TypeAdjustable Rate

May 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address49 PUMPKIN CAY RD # B, B, KEY LARGO, FL 33037-3750
Document Number0028540453
Book / Page002854 / 000453
Instrument DateMay 5, 2017
Transaction TypeMortgage
Record UpdatedJun 14, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address49 PUMPKIN CAY RD #B KEY LARGO FL 330373750, B, KEY LARGO, FL 33037-3750

Mortgage

Document Number0028540453
DateMay 12, 2017
Book Page002854/000453
Instrument2122844
Lender
NameGIBRALTAR PRIVATE BK&TR FSB
TypeBank
AddressCORAL GABLES, FL 33134
Agreement
AmountAmount on Record
Term360 Months
DueMay 11, 2047
Interest
Rate TypeAdjustable Rate
Rate4%

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$5,135,323 Building $5,135,323$5,135,323 Building $5,135,323
2024$27,306.00 (+12.17%)
2023$24,343.00 (+17.66%)$4,364,600 (+23.15%) Building $4,364,600$4,364,600 (+23.15%) Building $4,364,600
2022$20,690.00$3,544,213 Building $3,544,213$3,544,213 Building $3,544,213

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

Flood

FEMA maps place 49 Pumpkin Cay Rd, #B 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation11.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 838 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies1,585 units insured
incl. 747 condo units
Nearby Flood Claims78 (2005–2023)
Claims Outside the SFHA1 of 78
Most Recent ClaimNov 2023 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 73 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 49 Pumpkin Cay Rd, #B is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 52 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Fiber		2,000 / 2,000
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20

Cell Coverage

4G LTE only, no 5G reported

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