490 Barracuda Blvd, Key Largo, FL 33037 Property Records

Monroe County property record for 490 Barracuda Blvd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,915 sqft · built 2022
Lot Size	0.528 acres (23,000 sqft)
Owner	Company Name on Record
Last Sale	$5,000,000 (May 2022)
Tax Bill	$29,484 (2024)
Deeds & Mortgages	May 2022 Sale & Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00552740-000000`

Property Details

APN / Parcel Number

Primary APN	`00552740-000000`
Alternative APNs	`14613900552740000000` `1678279`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,915 sqft Living Area
Gross Area	6,547 sqft
1st Floor Area	4,915 sqft
Basement Area	288 sqft
Flooring	Marble
Interior Walls	Plywood

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	23,000 sqft (0.528 acres)
Garage Type	Attached
Garage Area	1,632 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	360 sqft
Deck Area	288 sqft
Patio Area	744 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1678279
Street Address	490 BARRACUDA BLVD
City	KEY LARGO
State	FL
Zip	33037-4720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 11 LTS 6, 7, 16 AND 17 ANGLERS PARK PB1-159 KEY LARGO OR51-371 OR518-580/581 OR693-691 OR1147-787/89DC OR2311-1128/29 OR2677-774/76 OR2995-2286 OR3155-1640 OR3160-1165 OR3173-1377 OR3173-1404
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	ANGLERS PARK
Legal Block	11
Legal Lot Number	6-7,1
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1043
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

Source: Monroe County records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	2975 WILBUR RD, MARTINSVILLE, IN 46151-6818
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
May 12, 2022	Personal Representative Deed, Transfer · Conventional Mortgage BMO HARRIS BANK NA
Nov 22, 2019	Warranty Deed, Transfer · Conventional Mortgage HOLLAND GRETCHEN K TRUS (RT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2022 · Amount on Record
Deed Sale	May 12, 2022 · Amount on Record
Prior Sale	Nov 22, 2019 · Amount on Record
Deed Document Number	20222375371
Deed Book / Page	3173 / 1377
Prior Transfer Date	Jun 22, 2004
Prior Transfer Doc	0023111128
Record Updated	Oct 29, 2026

May 2022: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	MONROE FL
Recording Date	May 12, 2022
Property Address	490 BARRACUDA BLVD, KEY LARGO, FL 33037-4720
Document Number	0031731377
Book / Page	3173 / 1377
Map Reference	MB 1 PG 159
Instrument Date	May 11, 2022
Instrument	2375371
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 372883, KEY LARGO, FL 33037-7883

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2975 WILBUR RD, MARTINSVILLE, IN 46151-6818

Mortgage

Document Number	0031731379
Date	May 12, 2022
Instrument	3173/1379

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jun 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.25%
Index	Other
Max Rate	8.25%

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 22, 2019
Property Address	490 BARRACUDA BLVD, KEY LARGO, FL 33037-4720
Document Number	0029952286
Book / Page	002995 / 002286
Instrument Date	Nov 22, 2019
Instrument	2245838
Transaction Type	Transfer
Record Updated	Dec 30, 2019
Title Company	CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,055.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2883 KEY LARGO FL 33037, KEY LARGO, FL 33037

Mortgage

Document Number	29952287
Date	Nov 22, 2019
Book Page	002995/002287
Instrument	2245839

Lender

Name	HOLLAND GRETCHEN K TRUS (RT)
Address	182 CORRINE PL, KEY LARGO, FL 33037-4206

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$3,878,048 (-4.82%) Land $2,135,964 Building $1,742,084	$3,878,048 (-4.82%) Land $2,135,964 Building $1,742,084
2024	$29,484.00 (-10.89%)
2023	$33,087.00 (+378.62%)	$4,074,303 (+181.56%) Land $2,116,368 Building $1,957,935	$4,074,303 (+181.56%) Land $2,116,368 Building $1,957,935
2022	$6,913.00	$1,447,061 Land $1,306,400 Building $140,661	$1,447,061 Land $1,306,400 Building $140,661

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 214 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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