548 Palm Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 548 Palm Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,528 sqft · built 2021
Lot Size	0.123 acres (5,350 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Aug 2026)
Tax Bill	$4,037 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00464100-000000`

Property Details

APN / Parcel Number

Primary APN	`00464100-000000`
Alternative APNs	`22613900464100000000` `1567523`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,528 sqft Living Area
1st Floor Area	1,528 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
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	1567523
Street Address	548 PALM DR
City	KEY LARGO
State	FL
Zip	33037-4525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 3 LT 10 PAMELA VILLA KEY LARGO PB3-125 OR602-311 OR790-98 OR1891-1999 OR3143-1741CE
Legal Range	39E
Legal Township	61S
Legal Section	22
Legal Subdivision	PAMELA VILLA
Legal Block	3
Legal Lot Number	10
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2026
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

548 Palm Dr is owned and occupied by two individuals who bought it in August 2026.

Source: Monroe County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	548 PALM DR, KEY LARGO, FL 33037-4525
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2026 · Amount on File
Deed Sale	Aug 14, 2026 · Amount on File
Deed Document Number	20262556751
Deed Book / Page	3398 / 5
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 14, 2026
Property Address	548 PALM DR, KEY LARGO, FL 33037-4525
Document Number	0002556751
Book / Page	3398 / 5
Instrument Date	Aug 14, 2026
Instrument	20262556751
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	CORAL REEF TITLE COMPANY, CORAL REEF TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$459,550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	548 PALM DR, KEY LARGO, FL 33037-4525

Mortgage

Document Number	0002556752,
Date	Aug 14, 2026
Instrument	20262556752

Lender

Name	IDEAL HOME LENDING LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 548 Palm Dr was $4,037 with a homeowner's exemption, up 5.2% from the year before.

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	$4,037.00 (+5.18%) Homeowner's exemption	$471,503	$621,670 Land $278,200 Building $343,470
2024	$3,838.00 (+4.78%)
2023	$3,663.00 (+6.42%) Homeowner's exemption	$444,869 (+3%)	$556,866 (+18.76%) Land $262,150 Building $294,716
2022	$3,442.00 Homeowner's exemption	$431,912	$468,906 Land $203,300 Building $265,606

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 548 Palm Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 548 Palm Dr is low, with a 0.02% annual chance of 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