68 Pumpkin Cay Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 68 Pumpkin Cay Rd, Key Largo, FL 33037

Property Summary

Property Type	Condominium
Details	1 bd · 2,500 sqft · built 1979
Lot Size	4 acres (193,277 sqft)
Owner	Company Name on File
Last Sale	$4,500,000 (Mar 2022)
Tax Bill	$29,011 (2025)
Deeds & Mortgages	Mar 2022 Sale & Line of Credit Jun 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00569513-000509`

Property Details

APN / Parcel Number

Primary APN	`00569513-000509`
Alternative APNs	`07594100569513000509` `1702153`

Interior

Bedrooms	1 Bed
Building Area	2,500 sqft Living Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Condo/Apartment
Lot Area	193,277 sqft (4 acres)

Location & Zoning

Account Number	1702153
Street Address	68 PUMPKIN CAY RD
City	KEY LARGO
State	FL
Zip	33037-3722
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	UR
Legal Description	UNIT PC-68 PUMPKIN CAY GARDEN HOME CONDOMINIUM OR797-1656 OR920-1267/MERGE OR910-326 OR2424-2144ORD(PROB09-CP-68-P) OR2424-2147 OR3104-1481 OR3160-1343
Legal Range	41E
Legal Township	59S
Legal Section	07
Legal Subdivision	PUMPKIN CAY O.R. #7 2ND REV
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3050
Census Tract	972700

Owner

Source: Monroe County records · APN 00569513-000509

Assessment roll updated December 8, 2025 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	1 MUSIC CIR S, 330, NASHVILLE, TN 37203-5760
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2022	Warranty Deed, Transfer · Line of Credit WEST BANK
Jun 10, 2021	Warranty Deed, Transfer · Conventional Mortgage THE NORTHERN TRUST CO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 14, 2022 · Amount on Record
Deed Sale	Mar 14, 2022 · Amount on Record
Prior Sale	Jun 10, 2021 · Amount on Record
Deed Document Number	20222365548
Deed Book / Page	3160 / 1343
Record Updated	Jun 08, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 14, 2022
Property Address	68 PUMPKIN CAY RD, KEY LARGO, FL 33037-3722
Document Number	0031601343
Book / Page	3160 / 1343
Map Reference	MB 766 PG 1545
Instrument Date	Mar 10, 2022
Instrument	2365548
Transaction Type	Transfer
Record Updated	Jun 07, 2023
Title Company	REEF TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$31,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24 DOCKSIDE LN # 429, 24, KEY LARGO, FL 33037-5267

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	68 PUMPKIN CAY RD, KEY LARGO, FL 33037-3722

Mortgage

Document Number	0031601348
Date	Mar 14, 2022
Instrument	3160/1348

Lender

Name	WEST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	62 Months
Due	May 15, 2027

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 10, 2021
Property Address	68 PUMPKIN CAY RD, KEY LARGO, FL 33037-3722
Document Number	0031041481
Book / Page	3104 / 1481
Map Reference	MB 766 PG 1545
Instrument Date	May 26, 2021
Instrument	2324666
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$27,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	801 E LEWIS ST, 801, LIVINGSTON, MT 59047-3135

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	68 PUMPKIN CAY RD, KEY LARGO, FL 33037-3722

Mortgage

Document Number	0031041489
Date	Jun 10, 2021
Instrument	3104/1489

Lender

Name	THE NORTHERN TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jul 01, 2028
Min Rate At Change	2.75%
Max Rate At Change	8.25%
Index	Other
Max Rate	8.25%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$29,011.00 (+3.7%) Homeowner's exemption	$4,261,755 (+2.9%)	$5,833,930 (+40.86%) Building $5,833,930
2024	$27,976.00 (-0.87%)
2023	$28,221.00 (+17.22%) Homeowner's exemption	$4,141,648 (+16.61%) Building $4,141,648	$4,141,648 (+16.61%) Building $4,141,648
2022	$24,076.00	$3,551,799 Building $3,551,799	$3,551,799 Building $3,551,799

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 838 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	1,585 units insured incl. 747 condo units
Nearby Flood Claims	78 (2005–2023)
Claims Outside the SFHA	1 of 78
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 73 claims

Wildfire

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

Based on FCC filings for 52 locations within half a mile of this property.

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