5 Halfway Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 5 Halfway Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 6,101 sqft · built 1973
Lot Size	0.384 acres (16,729 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,137,500 (Jun 2020)
Tax Bill	$19,965 (2024)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00572221-003400`

Property Details

APN / Parcel Number

Primary APN	`00572221-003400`
Alternative APN	`1706132`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	6,101 sqft Living Area
Gross Area	6,651 sqft
1st Floor Area	4,185 sqft
Flooring	Wood

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2012
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	16,729 sqft (0.384 acres)
Garage Type	Attached
Garage Area	550 sqft
Pool Area	416 sqft
Porch	Florida Room
Porch Area	2,231 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1706132
Street Address	5 HALFWAY RD
City	KEY LARGO
State	FL
Zip	33037-3714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 20 LT 5 GRAYVIK EXTENSION - OCEAN REEF PLAT NO 2 KEY LARGO PB6-28 OR504-750 OR1413-2374/76 OR1658-1470/71 OR2062-1478 OR2177-1006 OR2202-1503 OR2356-910 OR2670-551/53 OR2690-246/50 OR2796-1062/64 OR3028-2333
Legal Subdivision	GRAYVIK EXT O.R. #2
Legal Block	20
Legal Lot Number	5
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3011
Census Tract	972700

Owner

Source: Monroe County records, as of December 8, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	24 DOCKSIDE LN, KEY LARGO, FL 33037-5267
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2020 · Amount on Record
Deed Sale	Jun 26, 2020 · Amount on Record
Prior Sale	May 13, 2016 · Amount on Record
Deed Document Number	20202271079
Deed Book / Page	3028 / 2333
Prior Transfer Date	Apr 13, 2006
Prior Transfer Doc	0022021503
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 26, 2020
Property Address	5 HALFWAY RD, KEY LARGO, FL 33037-3714
Document Number	0030282333
Book / Page	3028 / 2333
Map Reference	MB 6 PG 28
Instrument Date	Jun 26, 2020
Instrument	2271079
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	REEF TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21,962.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24 DOCKSIDE LN # 382, 24, KEY LARGO, FL 33037-5267

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 DOCKSIDE LN # 217, 217, KEY LARGO, FL 33037-5267

Mortgage

Document Number	0030282336
Date	Jun 26, 2020
Instrument	3028/2336

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.65%
Type Change Date	Jul 1, 2030
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	7.65%
Index	1-Year LIBOR
Max Rate	7.65%

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		$3,028,784 (+5.99%)	$6,375,844 (+12.71%) Land $4,329,883 Building $2,045,961
2024	$19,965.00 (+2.22%)
2023	$19,531.00 (+5.06%) Homeowner's exemption	$2,857,695 (+3.31%)	$5,656,813 (+44.85%) Land $3,753,988 Building $1,902,825
2022	$18,591.00 Homeowner's exemption	$2,766,196	$3,905,329 Land $2,154,277 Building $1,751,052

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	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 838 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	1,585 units insured incl. 747 condo units
Nearby Flood Claims	78 (2005–2023)
Claims Outside the SFHA	1 of 78
Most Recent Claim	Nov 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20