694 Dolphin Ave, Key Largo, FL 33037 Property Records

Monroe County property record for 694 Dolphin Ave, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,342 sqft · built 2000
Lot Size	0.368 acres (16,007 sqft)
Owner	Company Name on Record
Last Sale	$950,000 (Dec 2022)
Tax Bill	$7,117 (2024)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00551080-000000`

Property Details

APN / Parcel Number

Primary APN	`00551080-000000`
Alternative APNs	`14613900551080000000` `1676641`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,342 sqft Living Area
Gross Area	1,848 sqft
1st Floor Area	1,342 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	16,007 sqft (0.368 acres)
Garage Type	Attached
Garage Area	506 sqft
Porch	Open Porch
Porch Area	290 sqft
Patio Area	1,440 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1676641
Street Address	694 DOLPHIN AVE
City	KEY LARGO
State	FL
Zip	33037-4742
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 2 LT 3, 4 & 23 ANGLERS PARK PB1-159 KEY LARGO OR497-815Q OR497-816 OR814-832 OR919-509D/C OR924-2299Q/C OR1175-200/01 OR1481-1872 OR1590-2030 OR1637-2067R/S OR1640-2285R/S OR1729-1353QC OR2142-1767 OR2166-201Q/C OR2850-1894/1918 OR2851-1992/94F/J
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	ANGLERS PARK
Legal Block	2
Legal Lot Number	3,4
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1045
Census Tract	972700

Historic Designation

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.

Owner

Source: Monroe County records, as of April 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	3100 NW 2ND AVE, 404, BOCA RATON, FL 33431-6689
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2022	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Sep 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
May 1, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST ST BK/FL KEYS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2022 · Amount on Record
Deed Sale	Dec 27, 2022 · Amount on Record
Prior Sale	May 1, 2017 · Amount on Record
Deed Document Number	20222401542
Deed Book / Page	3206 / 220
Prior Transfer Date	Jun 27, 2005
Prior Transfer Doc	0001535254
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 27, 2022
Property Address	694 DOLPHIN AVE, KEY LARGO, FL 33037-4742
Document Number	0032060220
Book / Page	3206 / 220
Map Reference	MB 1 PG 159
Instrument Date	Dec 19, 2022
Instrument	2401542
Transaction Type	Transfer
Record Updated	Jan 23, 2023
Title Company	MERIDIAN INT'L TITLE SERVICES, MERIDIAN INTL TTL SVCS CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	92685 OVERSEAS HWY, TAVERNIER, FL 33070-2761

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3100 NW BOCA RATON BLVD, BOCA RATON, FL 33431-6650

Mortgage

Document Number	0003206222
Date	Dec 27, 2022
Instrument	3206/222

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	694 DOLPHIN AVE, KEY LARGO, FL 33037-4742
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029852027
Date	Sep 23, 2019
Book Page	2985/2027
Instrument	2237609

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2034

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 1, 2017
Property Address	694 DOLPHIN AVE, KEY LARGO, FL 33037-4742
Document Number	0028511995
Book / Page	002851 / 001995
Instrument Date	Apr 28, 2017
Instrument	2121042
Transaction Type	Transfer
Record Updated	Jun 13, 2017
Title Company	CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,395.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	92685 OVERSEAS HWY TAVERNIER FL 330702761, TAVERNIER, FL 33070-2761

Mortgage

Document Number	28511996
Date	May 1, 2017
Book Page	002851/001996
Instrument	2121043

Lender

Name	FIRST ST BK/FL KEYS
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2047

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$765,093 (-1.43%) Land $491,095 Building $273,998	$765,093 (-1.43%) Land $491,095 Building $273,998
2024	$7,117.00 (+7.56%)
2023	$6,617.00 (+101%)	$776,156 (+88.27%) Land $519,427 Building $256,729	$776,156 (-0.67%) Land $519,427 Building $256,729
2022	$3,292.00 Homeowner's exemption	$412,267	$781,425 Land $524,432 Building $256,993

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 225 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	225 in force
Nearby Flood Claims	29 (2017–2023)
Most Recent Claim	Nov 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 214 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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