5 Spray Rd, Key Largo, FL 33037 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,773 sqft · built 1970
Lot Size	0.384 acres (16,734 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,750,000 (Jun 2019)
Tax Bill	$18,344 (2024)
Deeds & Mortgages	Jun 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00571860-000000`

Property Details

APN / Parcel Number

Primary APN	`00571860-000000`
Alternative APNs	`07594000571860000000` `1705128`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,773 sqft Living Area
1st Floor Area	1,773 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2010
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	16,734 sqft (0.384 acres)
Garage Area	528 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Enclosed Porch
Porch Area	1,487 sqft
Deck Area	424 sqft
Patio Area	396 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1705128
Old Parcel Number	07594000571860000000
Street Address	5 SPRAY RD
City	KEY LARGO
State	FL
Zip	33037-3724
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OCEAN REEF PLAT #3 PB4-91 KEY LARGO LOT 22 & SWLY 1/2 LOT 23 BK 12 OR520-862 OR1002-2368/69 OR1012-844C OR1091-793/94
Legal Range	40E
Legal Township	59S
Legal Section	07
Legal Subdivision	OCEAN REEF NO 3
Legal Block	12
Legal Lot Number	22-23
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 5, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	5 SPRAY RD, KEY LARGO, FL 33037-3724
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2019 · Amount on Record
Deed Sale	Jun 6, 2019 · Amount on Record
Prior Sale	Sep 10, 2003 · Amount on Record
Deed Document Number	2223475
Deed Book / Page	2968 / 1374
Record Updated	Jun 8, 2026

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE FL
Recording Date	Jun 6, 2019
Property Address	5 SPRAY RD, KEY LARGO, FL 33037-3724
Document Number	0029681374
Book / Page	002968 / 001374
Instrument Date	Jun 3, 2019
Instrument	2223475
Transaction Type	Transfer
Record Updated	Jul 9, 2019
Title Company	REEF TITLE COMPANY, REEF TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,250.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5 SPRAY RD KEY LARGO FL 330373724, KEY LARGO, FL 33037-3724

Mortgage

Document Number	29681377
Date	Jun 6, 2019
Book Page	002968/001377
Instrument	2223476

Lender

Name	IBERIABANK
Type	Bank
Address	PO BOX 12440, NEW IBERIA, LA 70562-2440

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 5, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$4,122,959 (+23.86%) Land $3,584,423 Building $538,536	$4,122,959 (+23.86%) Land $3,584,423 Building $538,536
2024	$18,344.00 (+8.21%)
2023	$16,952.00 (+21.36%)	$3,328,693 (+30.04%) Land $2,666,128 Building $662,565	$3,328,693 (+30.04%) Land $2,666,128 Building $662,565
2022	$13,968.00	$2,559,700 Land $1,896,330 Building $663,370	$2,559,700 Land $1,896,330 Building $663,370

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	11.0 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	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.08% 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 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