545 Palm Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 545 Palm Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,278 sqft · built 2017
Lot Size	0.123 acres (5,350 sqft)
Owner	Company Name on Record
Last Sale	$320,000 (Mar 2017)
Tax Bill	$4,626 (2024)
Deeds & Mortgages	Mar 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`00463740-000100`

Property Details

APN / Parcel Number

Primary APN	`00463740-000100`
Alternative APN	`9103085`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,278 sqft Living Area
1st Floor Area	1,278 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,350 sqft (0.123 acres)
Lot Dimensions	107 ft deep x 50 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	9103085
Street Address	545 PALM DR
City	KEY LARGO
State	FL
Zip	33037-4567
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 1 LT 11 PAMELA VILLA KEY LARGO PB3-125 OR475-833 OR686-841 OR750-124 OR806-1830 OR897-521 OR1246-1387C/T OR1276-120 OR1495-1389/1403FJ OR1763-1134 OR2705-1112 OR2844-923
Legal Range	39E
Legal Township	61S
Legal Section	22
Legal Subdivision	PAMELA VILLA
Legal Block	1
Legal Lot Number	11
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2006
Census Tract	970400

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 20, 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	500 GEIGER CIR, KEY LARGO, FL 33037-4209
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2017 · Amount on Record
Deed Sale	Mar 17, 2017 · Amount on Record
Deed Document Number	20172114815
Deed Book / Page	2844 / 923
Record Updated	Jun 8, 2026

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 17, 2017
Property Address	545 PALM DR, KEY LARGO, FL 33037-4567
Document Number	0028440923
Book / Page	002844 / 000923
Instrument Date	Mar 15, 2017
Instrument	2114815
Transaction Type	Transfer
Record Updated	Jun 13, 2017
Title Company	CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Transaction

Amount	Amount Recorded
Tax	$2,240.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	500 GEIGER CIR KEY LARGO FL 330374209, KEY LARGO, FL 33037-4209

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		$530,988 (+7.24%) Land $278,200 Building $252,788	$530,988 (+7.24%) Land $278,200 Building $252,788
2024	$4,626.00 (+9.49%)
2023	$4,225.00 (+11.48%)	$495,141 (+12.86%) Land $262,150 Building $232,991	$495,141 (+12.86%) Land $262,150 Building $232,991
2022	$3,790.00	$438,718 Land $203,300 Building $235,418	$438,718 Land $203,300 Building $235,418

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 245 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	245 in force
Nearby Flood Claims	161 (1992–2023)
Claims Outside the SFHA	6 of 161
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 91 claims Hurricane Irene, Oct 1999 · 31 claims Hurricane Georges, Sep 1998 · 11 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 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 344 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
T-Mobile Fixed Wireless	100 / 20