712 Largo Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 712 Largo Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,432 sqft · built 2016
Lot Size	0.114 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Mar 2017)
Tax Bill	$4,397 (2024)
Deeds & Mortgages	Mar 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00535490-000000`

Property Details

APN / Parcel Number

Primary APN	`00535490-000000`
Alternative APNs	`31604000535490000000` `1658995`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,432 sqft Living Area

Exterior

Year Built	Built 2016
Exterior Material	Other
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,000 sqft (0.114 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	1658995
Old Parcel Number	31604000535490000000
Street Address	712 LARGO RD
City	KEY LARGO
State	FL
Zip	33037-3015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 6 LT 42 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR612-854 OR801-2196 OR922-769 OR1475-850 OR2019-1043 OR2094-2070
Legal Range	40E
Legal Township	60S
Legal Section	31
Legal Subdivision	LAKE SURPRISE ESTATES
Legal Block	6
Legal Lot Number	42
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2017
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 December 5, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	3050 S DOUGLAS RD APT 1505, 1505, MIAMI, FL 33133-4393
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2017 · Amount on Record
Deed Sale	Mar 24, 2017 · Amount on Record
Prior Sale	Mar 24, 2017 · Amount on Record
Deed Document Number	0028451208
Deed Book / Page	002845 / 001208
Last Transfer Date	Jan 2, 2025
Transfer Doc	0033060786
Record Updated	Jun 8, 2026

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 24, 2017
Property Address	712 LARGO RD, KEY LARGO, FL 33037-3015
Document Number	0028451208
Book / Page	002845 / 001208
Instrument Date	Mar 17, 2017
Instrument	2115751
Transaction Type	Transfer
Record Updated	Jun 13, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	712 LARGO RD KEY LARGO FL 330373015, KEY LARGO, FL 33037-3015

Mortgage

Document Number	28451210
Date	Mar 24, 2017
Book Page	002845/001210
Instrument	2115752

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 23, 2047

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$513,674 (+1.96%) Land $226,250 Building $287,424	$513,674 (+1.96%) Land $226,250 Building $287,424
2024	$4,397.00 (+6.08%)
2023	$4,145.00 (+11.51%)	$503,778 (+11.69%) Land $242,500 Building $261,278	$503,778 (+11.69%) Land $242,500 Building $261,278
2022	$3,717.00	$451,044 Land $187,500 Building $263,544	$451,044 Land $187,500 Building $263,544

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

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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 433 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	660 units insured incl. 227 condo units
Nearby Flood Claims	80 (1999–2024)
Claims Outside the SFHA	1 of 80
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 11 claims Hurricane Irma, Sep 2017 · 33 claims Hurricane Wilma, Oct 2005 · 13 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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% 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 301 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