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620 Island Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 620 Island Dr, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details5 bd · 7 ba · 2,635 sqft · built 1969
Lot Size0.385 acres (16,800 sqft)
OwnerIndividual Name on File
Last Sale$3,350,000 (Sep 2021)
Tax Bill$22,774 (2024)
Deeds & MortgagesSep 2021 Sale & Mortgage
Flood ZoneZone VE (high risk)
APN00476630-000000

Property Details

APN / Parcel Number

Primary APN00476630-000000
Alternative APNs
  • 11613900476630000000
  • 1583731

Interior

Bedrooms5 Beds
Full Baths7 Baths
Half Baths1 Half Bath
Stories3 Stories
Building Area2,635 sqft Living Area
1st Floor Area2,636 sqft
Interior WallsWallboard/Drywall
ElevatorElevator

Exterior

Year BuiltBuilt 1969
Effective Year BuiltEffective 2016
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypePile
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area16,800 sqft (0.385 acres)
Lot Dimensions140 ft deep x 60 ft wide
Garage TypeCarport
CarportCarport
Carport Area800 sqft

Exterior Amenities

Pool TypePublic / Commercial Pool
PorchOpen Porch
Porch Area1,396 sqft
Deck Area319 sqft
Patio Area597 sqft
FenceFence
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1583731
Old Parcel Number11613900476630000000
Street Address620 ISLAND DR
CityKEY LARGO
StateFL
Zip33037-4808
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBLK 12 LOTS 27 AND 28 LARGO SOUND VILLAGE PB4-92 KEY LARGO OR419-571 OR2244-1952 OR2389-187 OR2408-1969 OR2408-1970
Legal Range39E
Legal Township61S
Legal Section11
Legal SubdivisionLARGO SOUND VILLAGE
Legal Block12
Legal Lot Number27-28 28
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group1
Census Block1036
Census Tract972700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed AreaWithin 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

620 Island Dr is owned and occupied by an individual who bought it in September 2021.

Source: Monroe County records, as of December 5, 2025

Owner of RecordIndividual Name on File
Mailing Address1011 SW 69TH AVE, MIAMI, FL 33144-4732
OccupancyOwner Occupied
Owner TypeIndividual

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 NamesName on Deed
Last SaleSep 3, 2021 · Amount on File
Deed SaleSep 3, 2021 · Amount on File
Prior SaleApr 22, 2009 · Amount on File
Deed Document Number2338365
Deed Book / Page3124 / 108
Record UpdatedJun 8, 2026

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateSep 3, 2021
Property Address620 ISLAND DR, KEY LARGO, FL 33037-4808
Document Number0031240108
Book / Page3124 / 108
Map ReferenceMB 4 PG 92
Instrument DateSep 1, 2021
Instrument2338365
Transaction TypeTransfer
Record UpdatedSep 27, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$23,450.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1260 NW 72ND AVE, 1260, MIAMI, FL 33126-1919

Transferred To (Grantee/Buyer)

NameVerified Name
Address1011 SW 69TH AVE, MIAMI, FL 33144-4732

Mortgage

Document Number3124110
DateSep 3, 2021
Instrument3124/110
Lender
NameKARKAT LENDING LLC
TypeNon-Lending Institution
Agreement
TypeStand-Alone First Mortgage
AmountAmount on Record

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,906,128$3,045,705 Land $2,023,560 Building $1,022,145
2024$22,774.00 (+2.65%)
2023$22,187.00 (-1.48%) Homeowner's exemption$2,741,967 (-4.99%)$3,501,744 (+21.34%) Land $2,506,455 Building $995,289
2022$22,521.00 Homeowner's exemption$2,885,923 Land $1,563,660 Building $1,322,263$2,885,923 Land $1,563,660 Building $1,322,263

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

Flood

FEMA maps place 620 Island Dr in Zone VE, a high-risk coastal 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 ZoneZone VE
high risk · coastal, wave action
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 225 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies225 in force
Nearby Flood Claims29 (2017–2023)
Most Recent ClaimNov 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

The area around 620 Island Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot rated
no burnable land within 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 178 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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