Monroe County property record for 722 Largo Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,450 sqft · built 2006 |
| Lot Size | 0.114 acres (5,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $680,000 (Jan 2023) |
| Tax Bill | $5,205 (2024) |
| Deeds & Mortgages | Nov 2025 Mortgage Jan 2023 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00535540-000000 |
| Primary APN | 00535540-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,450 sqft Living Area |
| 1st Floor Area | 1,450 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Pile |
| Roof Type | Cathedral/Clerestory |
| 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 | 60 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1659045 |
|---|---|
| Old Parcel Number | 31604000535540000000 |
| Street Address | 722 LARGO RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3015 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 6 LT 47 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR179-98 OR372-209 OR673-144 OR1490-456/57P/R OR1586-31 OR2093-302 |
| Legal Range | 40E |
| Legal Township | 60S |
| Legal Section | 31 |
| Legal Subdivision | LAKE SURPRISE ESTATES |
| Legal Block | 6 |
| Legal Lot Number | 47 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2017 |
| 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 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 | 722 LARGO RD, KEY LARGO, FL 33037-3015 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 18, 2025 | Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC |
| Jan 12, 2023 | Warranty Deed, Transfer · Conventional Mortgage LOWER LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 12, 2023 · Amount on Record |
| Deed Sale | Jan 12, 2023 · Amount on Record |
| Prior Sale | Jul 1, 2013 · Amount on Record |
| Deed Document Number | 2403228 |
| Deed Book / Page | 3208 / 157 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 722 LARGO RD, KEY LARGO, FL 33037-3015 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 722 LARGO RD, KEY LARGO, FL 33037-3015 |
| Document Number | 0033532455 |
|---|---|
| Date | Nov 18, 2025 |
| Book Page | 3353/2455 |
| Instrument | 2522483 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jan 12, 2023 |
| Property Address | 722 LARGO RD, KEY LARGO, FL 33037-3015 |
| Document Number | 0032080157 |
| Book / Page | 3208 / 157 |
| Map Reference | MB 4 PG 162 |
| Instrument Date | Jan 4, 2023 |
| Instrument | 2403228 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2023 |
| Title Company | SUNSHINE TITLE/THE KEYS INC, SUNSHINE TITLE OF KEYS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,760.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 102 LONE EAGLE LN, HENDERSONVILLE, NC 28739-8837 |
| Name | Verified Name |
|---|---|
| Address | 722 LARGO RD, KEY LARGO, FL 33037-3015 |
| Document Number | 0003208159 |
|---|---|
| Date | Jan 12, 2023 |
| Instrument | 3208/159 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2053 |
Source: Monroe County assessment roll, as of July 1, 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 | $585,168 (-1.39%) Land $226,250 Building $358,918 | $585,168 (-1.39%) Land $226,250 Building $358,918 | |
| 2024 | $5,205.00 (-4.43%) | ||
| 2023 | $5,446.00 (+124.67%) | $593,415 (+111.08%) Land $242,500 Building $350,915 | $593,415 (+22.56%) Land $242,500 Building $350,915 |
| 2022 | $2,424.00 Senior Citizen's exemption | $281,127 | $484,189 Land $187,500 Building $296,689 |
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 | 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 |
|
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 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.
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 |
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