Monroe County property record for 642 Palma Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,454 sqft · built 1979 |
| Lot Size | 0.232 acres (10,137 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,055 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 00543770-000000 |
| Primary APN | 00543770-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,454 sqft Living Area |
| 1st Floor Area | 1,095 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Flat |
| Roof Material | Metal |
| Lot Area | 10,137 sqft (0.232 acres) |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 332 sqft |
| Deck Area | 350 sqft |
| Patio Area | 350 sqft |
| Fence | Fence |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Account Number | 1667293 |
|---|---|
| Old Parcel Number | 22613900543770000000 |
| Street Address | 642 PALMA RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4595 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 3 LTS 4 - 5 BAHIA MAR EST PB4-79 KEY LARGO OR475-697 OR504-197 OR1156-774 OR1156-775 OR1156-777/90 OR1456-2406 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 22 |
| Legal Subdivision | BAHIA MAR ESTATES |
| Legal Block | 3 |
| Legal Lot Number | 4-5 5 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2005 |
| 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.
642 Palma Rd is owned and occupied by two individuals who acquired it in June 2012.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 642 PALMA RD, KEY LARGO, FL 33037-4595 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2012 |
| Deed Sale | Jun 1, 2012 |
| Deed Document Number | 0002575615 |
| Record Updated | Jun 8, 2026 |
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 | $203,195 | $553,200 Land $317,678 Building $235,522 | |
| 2024 | $2,055.00 (+6.31%) | ||
| 2023 | $1,933.00 (+4.6%) Homeowner's exemption | $191,718 (+3%) | $570,788 (+14.31%) Land $344,253 Building $226,535 |
| 2022 | $1,848.00 Homeowner's exemption | $186,134 | $499,313 Land $266,972 Building $232,341 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 642 Palma Rd 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 |
|
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 642 Palma Rd 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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