Monroe County property record for 7 N End Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,588 sqft · built 1960 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $389,000 (Jun 2019) |
| Tax Bill | $2,644 (2024) |
| Deeds & Mortgages | Jan 2021 Mortgage Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 00538400-000000 |
| Primary APN | 00538400-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,588 sqft Living Area |
| 1st Floor Area | 1,588 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Porch | Open Porch |
| Porch Area | 638 sqft |
| Patio Area | 50 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1661911 |
|---|---|
| Street Address | 7 N END RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 2 LT 10 OCEAN ISLE EST PB5-14 KEY LARGO OR311-140/141 OR604-805D/C OR1260-2430/32R/S OR1277-1218D/C OR2024-450 OR2093-1916/17 OR2235-2378 OR2440-953R/S OR2794-1232 OR2969-1516 OR3290-0665 OR3290-1476 |
| Legal Range | 40E |
| Legal Township | 61S |
| Legal Section | 06 |
| Legal Subdivision | OCEAN ISLE ESTATE |
| Legal Block | 2 |
| Legal Lot Number | 10 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 972700 |
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 January 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 7 N END RD, KEY LARGO, FL 33037-5011 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jan 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jun 11, 2019 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 11, 2019 · Amount on Record |
| Deed Sale | Jun 11, 2019 · Amount on Record |
| Prior Sale | May 2, 2016 · Amount on Record |
| Deed Document Number | 20192224241 |
| Deed Book / Page | 2969 / 1516 |
| Prior Transfer Date | May 26, 1993 |
| Prior Transfer Doc | 1260002430 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 7 N END RD, KEY LARGO, FL 33037-5011 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2021 |
| Name | Verified Name |
|---|---|
| Address | 7 N END RD, KEY LARGO, FL 33037-5011 |
| Document Number | 0030670335 |
|---|---|
| Date | Jan 4, 2021 |
| Book Page | 3067/335 |
| Instrument | 2297850 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 177 Months |
| Due | Oct 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jun 11, 2019 |
| Property Address | 7 N END RD, KEY LARGO, FL 33037-5011 |
| Document Number | 0029691516 |
| Book / Page | 2969 / 1516 |
| Map Reference | MB 5 PG 14 |
| Instrument Date | Jun 10, 2019 |
| Instrument | 2224241 |
| 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 | $2,723.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7 N END RD, KEY LARGO, FL 33037-5011 |
| Document Number | 0029691517 |
|---|---|
| Date | Jun 11, 2019 |
| Instrument | 2969-1517 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
Source: Monroe County assessment roll, as of December 8, 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 | $280,055 (+5.99%) | $550,356 (+22.23%) Land $278,100 Building $272,256 | |
| 2024 | $2,644.00 (+5.38%) | ||
| 2023 | $2,509.00 (+5.16%) Homeowner's exemption | $264,236 (+3%) | $450,245 (+15.28%) Land $241,020 Building $209,225 |
| 2022 | $2,386.00 Homeowner's exemption | $256,540 | $390,554 Land $176,130 Building $214,424 |
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 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 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 |
|
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 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 188 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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