Monroe County property record for 554 Palm Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,188 sqft · built 1982 |
| Lot Size | 0.122 acres (5,350 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $405,000 (Nov 2020) |
| Tax Bill | $3,150 (2024) |
| Deeds & Mortgages | Jun 2018 Mortgage Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 00464070-000000 |
| Primary APN | 00464070-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,188 sqft Living Area |
| 1st Floor Area | 1,188 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 2012 |
| 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 | 396 sqft |
| Patio Area | 21 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1567493 |
|---|---|
| Old Parcel Number | 22613900464070000000 |
| Street Address | 554 PALM DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4525 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 3 LT 7 PAMELA VILLA KEY LARGO PB3-125 OR516-887 OR747-593 OR777-1060 OR777-1059 OR908-381 OR921-454D/C OR1021-1741/42 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 22 |
| Legal Subdivision | PAMELA VILLA |
| Legal Block | 3 |
| Legal Lot Number | 7 |
| 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.
Source: Monroe County records, as of December 5, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 554 PALM DR, KEY LARGO, FL 33037-4525 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 26, 2018 | Deed of Trust, Mortgage · Commercial Mortgage CAPITAL BANK |
| Nov 25, 2020 | Warranty Deed, Transfer · FHA Mortgage NEWREZ LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 25, 2020 · Amount on Record |
| Deed Sale | Nov 25, 2020 · Amount on Record |
| Prior Sale | Jul 15, 1994 · Amount on Record |
| Deed Document Number | 2292450 |
| Deed Book / Page | 3059 / 171 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 554 PALM DR, KEY LARGO, FL 33037-4525 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0029131792 |
|---|---|
| Date | Jun 26, 2018 |
| Book Page | 2913/1792 |
| Instrument | 2175266 |
| Name | CAPITAL BANK |
|---|---|
| Type | Bank |
| Address | KEY LARGO, FL 33037 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 25, 2020 |
| Property Address | 554 PALM DR, KEY LARGO, FL 33037-4525 |
| Document Number | 0030590171 |
| Book / Page | 3059 / 171 |
| Map Reference | MB 3 PG 125 |
| Instrument Date | Nov 20, 2020 |
| Instrument | 2292450 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | CORAL REEF TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,835.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 370 HOOD RD, 370, EASLEY, SC 29640-7849 |
| Name | Verified Name |
|---|---|
| Address | 554 PALM DR, KEY LARGO, FL 33037-4525 |
| Document Number | 0003059172 |
|---|---|
| Date | Nov 25, 2020 |
| Instrument | 3059/172 |
| Name | NEWREZ LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
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 | $346,081 (+5.99%) | $512,194 (+6.48%) Land $278,200 Building $233,994 | |
| 2024 | $3,150.00 (+4.86%) | ||
| 2023 | $3,004.00 (+5.44%) Homeowner's exemption | $326,533 (+3%) | $481,024 (+12.63%) Land $262,150 Building $218,874 |
| 2022 | $2,849.00 Homeowner's exemption | $317,023 | $427,077 Land $203,300 Building $223,777 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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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