490 Caribbean Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 490 Caribbean Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 3,569 sqft · built 1987
Lot Size	0.215 acres (9,375 sqft)
Owner	2 Company Names on Record
Last Sale	$850,000 (Sep 2009)
Tax Bill	$13,808 (2024)
Deeds & Mortgages	Dec 2025 Transfer
Flood Zone	Zone AE (high risk)
APN	`00453475-010600`

Property Details

APN / Parcel Number

Primary APN	`00453475-010600`
Alternative APNs	`33613900453475010600` `1556157`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	3,569 sqft Living Area
1st Floor Area	2,982 sqft
Attic	Attic
Attic Area	1,093 sqft
Basement Area	587 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2012
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,375 sqft (0.215 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	1,093 sqft
Carport	Carport
Carport Area	1,093 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	2,802 sqft
Patio Area	1,699 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1556157
Street Address	490 CARIBBEAN DR
City	KEY LARGO
State	FL
Zip	33037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	LT 490 PORT LARGO FIFTH ADDITION KEY LARGO PB6-109 OR796-2450 OR802-1569 OR802-1594 OR813-892 OR813-893 OR849-1712 OR927-1303 OR1472-1714/16AGR OR2130-1862 OR2130-1873/74 OR2341-710/11 OR2347-1017/1021(ORDER) OR2358-2284/85 OR2433-420/21R/S
Legal Range	39E
Legal Township	61S
Legal Section	33
Legal Subdivision	PORT LARGO 5TH ADD
Legal Lot Number	490
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2015
Census Tract	970500

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 December 29, 2025

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

Owner of Record	2 Company Names on Record
Mailing Address	49 NE 158TH ST, MIAMI, FL 33162-4208
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2009 · Amount on Record
Deed Sale	Sep 25, 2009 · Amount on Record
Prior Sale	Jul 7, 2005 · Amount on Record
Deed Document Number	20091760401
Deed Book / Page	2433 / 420
Prior Transfer Date	Jan 4, 2008
Prior Transfer Doc	0023582284
Record Updated	Sep 20, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Dec 17, 2025
Property Address	490 CARIBBEAN DR, KEY LARGO, FL 33037
Document Number	0033581142
Book / Page	3358 / 1142
Map Reference	MB 6 PG 109
Instrument Date	Dec 5, 2025
Instrument	2525810
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	49 NE 158TH ST, MIAMI, FL 33162-4208

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	49 NE 158TH ST, MIAMI, FL 33162-4208

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		$2,010,220 (+4.78%) Land $1,218,750 Building $791,470	$2,010,220 (+4.78%) Land $1,218,750 Building $791,470
2024	$13,808.00 (+5.45%)
2023	$13,094.00 (+12.71%)	$1,918,475 (+10.71%) Land $1,148,438 Building $770,037	$1,918,475 (+10.71%) Land $1,148,438 Building $770,037
2022	$11,617.00	$1,732,954 Land $946,875 Building $786,079	$1,732,954 Land $946,875 Building $786,079

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 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 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	Hurricane Irma, Sep 2017 · 221 claims Hurricane Irene, Oct 1999 · 24 claims Hurricane Georges, Sep 1998 · 24 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	Not 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 317 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20