550 Ave A, Key Largo, FL 33037 Property Records

Monroe County property record for 550 Ave A, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,267 sqft · built 1996
Lot Size	0.217 acres (9,430 sqft)
Owner	Trust Name on File
Last Sale	$70,000 (Aug 1994)
Tax Bill	$4,060 (2024)
Deeds & Mortgages	Apr 2024 Mortgage Apr 2021 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`00474890-000000`

Property Details

APN / Parcel Number

Primary APN	`00474890-000000`
Alternative APNs	`11613900474890000000` `1582018`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,267 sqft Living Area
1st Floor Area	1,995 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2012
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	9,430 sqft (0.217 acres)
View / Lot	Canal
Garage Type	Covered
Garage Area	1,734 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	742 sqft
Deck Area	400 sqft
Patio Area	1,125 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1582018
Street Address	550 AVENUE A
City	KEY LARGO
State	FL
Zip	33037-4829
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU-1
Legal Description	BK 6 LT 8 LARGO SOUND VILLAGE KEY LARGO PB4-92 OR473-270/71 OR605-620 OR820-2354 OR1318-17 OR2784-641/42
Legal Range	39E
Legal Township	61S
Legal Section	11
Legal Subdivision	LARGO SOUND VILLAGE
Legal Block	6
Legal Lot Number	8
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1036
Census Tract	972700

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

550 Ave A is owner-occupied and held in a trust since February 2016.

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

Owner of Record	Trust Name on File
Mailing Address	550 AVENUE A, KEY LARGO, FL 33037-4829
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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

Date	Document
Apr 9, 2024	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 13, 2021	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NATIONAL ASSOCIATION
Jul 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 1994 · Amount on File
Deed Sale	Aug 3, 1994 · Amount on File
Prior Sale	Nov 1, 1980 · Amount on File
Deed Book / Page	1318 / 17
Last Transfer Date	Feb 24, 2016
Transfer Doc	0027840641
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	550 AVENUE A, KEY LARGO, FL 33037-4829
Transaction Type	Mortgage
Record Updated	May 3, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 AVENUE A, KEY LARGO, FL 33037-4829

Mortgage

Document Number	0032700918
Date	Apr 9, 2024
Book Page	3270/918
Instrument	2457310

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	585 SOUTH BLVD E, PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Mar 1, 2054

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	550 AVENUE A, KEY LARGO, FL 33037-4829
Transaction Type	Mortgage
Record Updated	Apr 26, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 AVENUE A, KEY LARGO, FL 33037-4829

Mortgage

Document Number	0030881654
Date	Apr 13, 2021
Book Page	3088/1654
Instrument	2313550

Lender

Name	SOUTH STATE BANK NATIONAL ASSOCIATION
Type	Bank
Address	HOMESTEAD, FL 33030

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	118 Months
Due	Feb 23, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	550 AVENUE A, KEY LARGO, FL 33037-4829
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028621282
Date	Jul 3, 2017
Book Page	2862/1282
Instrument	2129638

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

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		$463,364	$1,555,143 Land $971,479 Building $583,664
2024	$4,060.00 (+4.29%)
2023	$3,893.00 (+5.7%) Homeowner's exemption	$437,191 (+3%)	$1,586,552 (+31.04%) Land $1,028,624 Building $557,928
2022	$3,683.00 Homeowner's exemption	$424,458	$1,210,771 Land $640,509 Building $570,262

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

Flood

FEMA maps place 550 Ave A in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 225 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	225 in force
Nearby Flood Claims	29 (2017–2023)
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 28 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 550 Ave A is moderate, ranking above 47% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% 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 178 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

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Ave A

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