Monroe County property record for 70 Central Ave, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,522 sqft · built 1988 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $79,500 (Apr 1989) |
| Tax Bill | $3,110 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00517220-000000 |
| Primary APN | 00517220-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,522 sqft Living Area |
| 1st Floor Area | 918 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Type | Covered |
| Garage Area | 476 sqft |
| Porch | Florida Room |
| Porch Area | 628 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1636479 |
|---|---|
| Street Address | 70 CENTRAL AVE |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Description | BK 7 LT 6 BAY HAVEN SEC 3 PB2-41 KEY LARGO OR446-272 OR994-2197 OR1088-1242 OR1092-587C OR1622-991Q/C-R/S OR1921-1790Q/C OR2197-1846/1870DEC OR2285-700 OR2312-1281/83DEC |
| Legal Range | 38E |
| Legal Township | 62S |
| Legal Section | 14 |
| Legal Subdivision | BAY HAVEN SEC 3 |
| Legal Block | 7 |
| Legal Lot Number | 6 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 970600 |
70 Central Ave is owned and occupied by two individuals who acquired it in March 2007.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 70 CENTRAL AVE, KEY LARGO, FL 33037-2013 |
| 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 | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 1989 · Amount on File |
| Deed Sale | Apr 1, 1989 · Amount on File |
| Prior Sale | Nov 1, 1986 · Amount on File |
| Deed Book / Page | 1088 / 1242 |
| Last Transfer Date | Mar 19, 2007 |
| Transfer Doc | 0022850700 |
| Record Updated | Jun 8, 2026 |
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 | $360,377 | $523,887 Land $240,000 Building $283,887 | |
| 2024 | $3,110.00 (+4.22%) | ||
| 2023 | $2,984.00 (+9.71%) Homeowner's exemption | $371,728 (+18.44%) | $557,708 (+24.67%) Land $400,000 Building $157,708 |
| 2022 | $2,720.00 Homeowner's exemption | $313,842 | $447,347 Land $287,500 Building $159,847 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 70 Central Ave in Zone AE, a high-risk 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 Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 272 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 272 in force |
| Nearby Flood Claims | 100 (1981–2024) |
| Claims Outside the SFHA | 9 of 100 |
| Most Recent Claim | May 2024 · 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 70 Central Ave 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 66% of the US · lower than 91% 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 168 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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