716 Largo Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 716 Largo Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,347 sqft · built 2024
Lot Size	0.114 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$95,000 (Dec 2011)
Tax Bill	$960 (2024)
Deeds & Mortgages	Jul 2023 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00535510-000000`

Property Details

APN / Parcel Number

Primary APN	`00535510-000000`
Alternative APNs	`31604000535510000000` `1659011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,347 sqft Living Area
1st Floor Area	960 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Other
Foundation Type	Slab (Mat/Raft)
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
Porch Area	318 sqft
Patio Area	296 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1659011
Old Parcel Number	31604000535510000000
Street Address	716 LARGO RD
City	KEY LARGO
State	FL
Zip	33037-3015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 6 LT 44 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR447-901 OR1019-2194 OR1106-2187 OR1109-766C OR1220-1632/33PR OR1278-816
Legal Range	40E
Legal Township	60S
Legal Section	31
Legal Subdivision	LAKE SURPRISE ESTATES
Legal Block	6
Legal Lot Number	44
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

716 Largo Rd is owned and occupied by an individual who bought it in December 2011.

Source: Monroe County records, as of December 5, 2025

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	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	716 LARGO RD, KEY LARGO, FL 33037-3015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2011 · Amount on File
Deed Sale	Dec 13, 2011 · Amount on File
Prior Sale	Dec 17, 2004 · Amount on File
Deed Document Number	1862207
Deed Book / Page	2546 / 0514
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	716 LARGO RD, KEY LARGO, FL 33037-3015
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84771 OVERSEAS HWY, ISLAMORADA, FL 33036-3422

Mortgage

Document Number	0032330337
Date	Jul 7, 2023
Book Page	3233/337
Instrument	2424113

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.37%
Type Change Date	Aug 1, 2030
Change Frequency	Annually
Min Rate At Change	5.37%
Max Rate At Change	9.37%
Index	1-Year T-Bill
Max Rate	13.3%

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		$516,052	$615,366 Land $226,250 Building $389,116
2024	$960.00 (+1.91%)
2023	$942.00 (-30.12%) Homeowner's exemption	$124,417 (+3%)	$140,970 (-45.37%) Land $137,500 Building $3,470
2022	$1,348.00 Homeowner's exemption	$120,794	$258,058 Land $187,500 Building $70,558

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

Flood

FEMA maps place 716 Largo Rd 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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 716 Largo Rd 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 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