Monroe County property record for 72 W Lake Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 5,386 sqft · built 2007 |
| Lot Size | 0.508 acres (22,125 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $7,900,000 (Apr 2024) |
| Tax Bill | $23,906 (2024) |
| Deeds & Mortgages | Apr 2024 Sale Nov 2019 Line of Credit + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00080020-000272 |
| Primary APN | 00080020-000272 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,386 sqft Living Area |
| Gross Area | 6,100 sqft |
| 1st Floor Area | 4,260 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Plywood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Other |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 22,125 sqft (0.508 acres) |
| View / Lot | Lake |
| Garage Type | Attached |
| Garage Area | 714 sqft |
| Porch | Florida Room |
| Porch Area | 1,528 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 8782888 |
|---|---|
| Street Address | 72 W LAKE RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DR |
| Legal Description | 13 59 40 PT GOVT LOT 1 (PARCEL 72) OR1149-1195 OR1213-1128 OR1318-470 OR1382-237 OR1407-591 OR1579-910 OR1644-967 OR2113-957 OR2174-1530 OR2346-154 OR3012-0972 OR3271-0241 |
| Legal Range | 40E |
| Legal Township | 59S |
| Legal Section | 13 |
| Legal Subdivision | ANGLERS CLUB CONDO |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 972700 |
Source: Monroe County records, as of December 8, 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 | 200 MAHANTONGO ST, POTTSVILLE, PA 17901-3011 |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| Apr 12, 2024 | Deed, Transfer |
| Nov 14, 2019 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK |
| Aug 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK |
| Mar 6, 2020 | Deed, Transfer · Conventional Mortgage IBERIABANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 12, 2024 · Amount on Record |
| Deed Sale | Apr 12, 2024 · Amount on Record |
| Prior Sale | Mar 6, 2020 · Amount on Record |
| Deed Document Number | 20242457814 |
| Deed Book / Page | 3271 / 241 |
| Prior Transfer Date | Dec 5, 2005 |
| Prior Transfer Doc | 0021741530 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 12, 2024 |
| Property Address | 72 W LAKE RD, KEY LARGO, FL 33037-3607 |
| Document Number | 0032710241 |
| Book / Page | 3271 / 241 |
| Instrument Date | Apr 11, 2024 |
| Instrument | 2457814 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $55,300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 24 DOCKSIDE LN, KEY LARGO, FL 33037-5267 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1200, POTTSVILLE, PA 17901-7200 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 72 W LAKE RD, KEY LARGO, FL 33037-3607 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0029941217 |
|---|---|
| Date | Nov 14, 2019 |
| Book Page | 2994/1217 |
| Instrument | 2244480 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37230 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 72 W LAKE RD, KEY LARGO, FL 33037-3607 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 72 W LAKE RD, KEY LARGO, FL 33037-3607 |
| Document Number | 0031170942 |
|---|---|
| Date | Aug 3, 2021 |
| Book Page | 3117/942 |
| Instrument | 2333403 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Aug 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 2.62% |
| Max Rate At Change | 7.62% |
| Index | 1-Year LIBOR |
| Max Rate | 7.62% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 6, 2020 |
| Property Address | 72 W LAKE RD, KEY LARGO, FL 33037-3607 |
| Document Number | 0030120972 |
| Book / Page | 3012 / 972 |
| Instrument Date | Mar 2, 2020 |
| Instrument | 2258973 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Title Company | REEF TITLE COMPANY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $31,500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 50 CLUB HOUSE RD # RD54-C, 50, KEY LARGO, FL 33037-3600 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 24 DOCKSIDE LN # 453, 453, KEY LARGO, FL 33037-5267 |
| Document Number | 0030120975 |
|---|---|
| Date | Mar 6, 2020 |
| Instrument | 3012/0975 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Apr 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 8.37% |
| Index | 1-Year LIBOR |
| Max Rate | 8.37% |
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 | $6,442,928 (+87.84%) Land $4,380,750 Building $2,062,178 | $6,442,928 (+48.79%) Land $4,380,750 Building $2,062,178 | |
| 2024 | $23,906.00 (+2.14%) | ||
| 2023 | $23,404.00 (+4.75%) Homeowner's exemption | $3,429,984 (+3%) | $4,330,352 (+4.46%) Land $2,336,400 Building $1,993,952 |
| 2022 | $22,342.00 Homeowner's exemption | $3,330,082 | $4,145,658 Land $2,141,700 Building $2,003,958 |
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.
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 | 11.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 838 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 1,585 units insured incl. 747 condo units |
| Nearby Flood Claims | 78 (2005–2023) |
| Claims Outside the SFHA | 1 of 78 |
| 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 | Moderate above 60% of the US · lower than 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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