Monroe County property record for 552 Palm Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,304 sqft · built 1987 |
| Lot Size | 0.122 acres (5,350 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $138,450 (Dec 1995) |
| Tax Bill | $4,597 (2024) |
| Deeds & Mortgages | Feb 2021 Mortgage Jun 2017 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 00464080-000000 |
| Primary APN | 00464080-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,304 sqft Living Area |
| 1st Floor Area | 1,304 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,350 sqft (0.122 acres) |
| Lot Dimensions | 107 ft deep x 50 ft wide |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 360 sqft |
| Patio Area | 196 sqft |
| Fence | Fence |
| Heating System | Forced Air |
|---|
| Account Number | 1567507 |
|---|---|
| Old Parcel Number | 22613900464080000000 |
| Street Address | 552 PALM DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4525 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 3 LT 8 PAMELA VILLA KEY LARGO PB3-125 OR229-8 OR826-2480 OR866-1027Q/C OR1058-2254 OR1158-828 OR1383-823/824R/S |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 22 |
| Legal Subdivision | PAMELA VILLA |
| Legal Block | 3 |
| Legal Lot Number | 8 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 970400 |
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.
552 Palm Dr is owned by two individuals who bought it in December 1995.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 548 PALM DR, KEY LARGO, FL 33037-4525 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EAST COAST MORTGAGE LENDERS INC |
| Jun 20, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST ST BK/FL KEYS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 1995 · Amount on File |
| Deed Sale | Dec 28, 1995 · Amount on File |
| Deed Document Number | 0138300823 |
| Deed Book / Page | 01383 / 00823 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 552 PALM DR, KEY LARGO, FL 33037-4525 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2021 |
| Name | Verified Name |
|---|---|
| Address | 552 PALM DR, KEY LARGO, FL 33037-4525 |
| Document Number | 0030741161 |
|---|---|
| Date | Feb 9, 2021 |
| Book Page | 3074/1161 |
| Instrument | 2303208 |
| Name | EAST COAST MORTGAGE LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Address | PALM CITY, FL 34990 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 552 PALM DR, KEY LARGO, FL 33037-4525 |
| Document Number | 0028612277 |
| Book / Page | 002861 / 002277 |
| Instrument Date | Jun 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 552 PALM DR KEY LARGO FL 330374525, KEY LARGO, FL 33037-4525 |
| Document Number | 0028612277 |
|---|---|
| Date | Jun 29, 2017 |
| Book Page | 002861/002277 |
| Instrument | 2129166 |
| Name | FIRST ST BK/FL KEYS |
|---|---|
| Type | Bank |
| Address | KEY LARGO, FL 33037 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 28, 2027 |
| Rate Type | Adjustable Rate |
|---|
Source: Monroe County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $489,963 Land $278,200 Building $211,763 | $489,963 Land $278,200 Building $211,763 | |
| 2024 | $4,597.00 (+11.2%) | ||
| 2023 | $4,134.00 (+12.98%) | $441,073 (+15.33%) Land $262,150 Building $178,923 | $441,073 (+15.33%) Land $262,150 Building $178,923 |
| 2022 | $3,659.00 | $382,449 Land $203,300 Building $179,149 | $382,449 Land $203,300 Building $179,149 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 552 Palm Dr in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 |
|
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 risk around 552 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.
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 |
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