50 Spadefish Ln, Key Largo, FL 33037 Property Records

Monroe County property record for 50 Spadefish Ln, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 5,786 sqft · built 1983
Lot Size	0.628 acres (27,373 sqft)
Owner	2 Individual Names on Record
Tax Bill	$39,327 (2024)
Deeds & Mortgages	Apr 2022 Mortgage Aug 2020 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`00569441-005000`

Property Details

APN / Parcel Number

Primary APN	`00569441-005000`
Alternative APNs	`07594100569441005000` `1698776`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	5,786 sqft Living Area
Gross Area	6,320 sqft
1st Floor Area	5,786 sqft
Attic	Attic
Attic Area	104 sqft
Flooring	Ceramic Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	27,373 sqft (0.628 acres)
View / Lot	Canal
Garage Type	Attached
Garage Area	534 sqft

Exterior Amenities

Pool Area	480 sqft
Porch	Florida Room
Porch Area	3,454 sqft
Deck Area	224 sqft
Patio Area	1,119 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1698776
Street Address	50 SPADEFISH LN
City	KEY LARGO
State	FL
Zip	33037-5226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	LT 50 ANGELFISH CAY OCEAN REEF PLAT NO 5 KEY LARGO PB6-17 OR511-1001 OR709-547 OR807-143 OR861-2430/33 OR864-725 OR1061-2431/32 OR1290-89/90 OR1708-1301/02 OR2070-548/49 OR3038-1615 OR3038-1619
Legal Range	41E
Legal Township	59S
Legal Section	07
Legal Subdivision	ANGELFISH CAY PLAT #5
Legal Lot Number	50
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3050
Census Tract	972700

Owner

Source: Monroe County records, as of December 8, 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	1085 KANE CONCOURSE, BAY HARBOR ISLANDS, FL 33154-2105
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage CITY NATIONAL BANK OF FLORIDA
Aug 18, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Aug 18, 2020	Grant Deed, Transfer AVENTURA TITLE INSURANCE CORPORATION, AVENTURA TITLE INS CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2020
Deed Sale	Aug 18, 2020
Prior Sale	Aug 18, 2020
Deed Document Number	20202277990
Deed Book / Page	3038 / 1639
Prior Transfer Date	Nov 23, 2004
Prior Transfer Doc	0020700548
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	50 SPADEFISH LN, KEY LARGO, FL 33037-5226
Transaction Type	Mortgage
Record Updated	Apr 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10330 W BROADVIEW DR, BAY HARBOR ISLANDS, FL 33154-1137

Mortgage

Document Number	0031652219
Date	Apr 6, 2022
Book Page	3165/2219
Instrument	2369550

Lender

Name	CITY NATIONAL BANK OF FLORIDA
Type	Bank
Address	MIAMI, FL 33131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Apr 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.87%
Max Rate At Change	7.87%
Index	Other
Max Rate	7.87%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 18, 2020
Property Address	50 SPADEFISH LN, KEY LARGO, FL 33037-5226
Document Number	0030381615
Book / Page	003038 / 001615
Instrument Date	Aug 18, 2020
Instrument	2277983
Transaction Type	Transfer
Record Updated	Oct 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$23,800.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1085 KANE CONCOURSE BAY HARBOR ISLANDS FL 331542105, BAY HARBOR ISLANDS, FL 33154-2105

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE FL
Recording Date	Aug 18, 2020
Property Address	50 SPADEFISH LN, KEY LARGO, FL 33037-5226
Document Number	0030381619
Book / Page	003038 / 001619
Instrument Date	Aug 18, 2020
Instrument	2277984
Transaction Type	Transfer
Record Updated	Oct 1, 2020
Title Company	AVENTURA TITLE INSURANCE CORPORATION, AVENTURA TITLE INS CORP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1085 KANE CONCOURSE BAY HARBOR ISLANDS FL 331542105, BAY HARBOR ISLANDS, FL 33154-2105

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		$8,214,560 (+28.27%) Land $7,099,188 Building $1,115,372	$8,214,560 (+28.27%) Land $7,099,188 Building $1,115,372
2024	$39,327.00 (+12.35%)
2023	$35,003.00 (+24.77%)	$6,404,215 (+38.03%) Land $5,827,849 Building $576,366	$6,404,215 (+38.03%) Land $5,827,849 Building $576,366
2022	$28,054.00	$4,639,581 Land $4,057,363 Building $582,218	$4,639,581 Land $4,057,363 Building $582,218

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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None 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

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spadefish Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures