73 Palm Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 73 Palm Dr, Key Largo, FL 33037

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.06 acres (2,625 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Feb 2026)
Tax Bill	$1,803 (2025)
Deeds & Mortgages	Jul 2024 Line of Credit Feb 2026 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00161930-000000`

Property Details

APN / Parcel Number

Primary APN	`00161930-000000`
Alternative APNs	`08672700161930000000` `1207489`

Exterior

Lot Area	2,625 sqft (0.06 acres)
Lot Dimensions	75 ft deep x 35 ft wide
View / Lot	Canal

Location & Zoning

Account Number	1207489
Street Address	73 PALM DR
City	KEY LARGO
State	FL
Zip	33037
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	URM
Legal Description	LT 36 BAY POINT TRAILER PARK SADDLEBUNCH KEYS PB3-57 OR24-249 OR458-426 OR929-1849/1850AGREE OR987-1937 OR1082-767 OR3027-0970 OR3218-2050
Legal Range	27E
Legal Township	67S
Legal Section	08
Legal Subdivision	BAY POINT TRAILER PARK
Legal Lot Number	36
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1039
Census Tract	971600

Owner

73 Palm Dr, residential vacant land, is owned and occupied by two individuals who bought it in February 2026.

Source: Monroe County records, as of September 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	73 PALM DR, KEY WEST, FL 33040-6117
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2024	Deed of Trust, Mortgage · Line of Credit LANNY GARDNER
Feb 20, 2026	Quit Claim Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK
Apr 4, 2023	Deed, Transfer NOT AVAILABLE, THE CLOSING DEPARTMENT INC
Jun 18, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2026 · Amount on File
Deed Sale	Feb 20, 2026 · Amount on File
Prior Sale	Apr 4, 2023 · Amount on File
Deed Document Number	20262533010
Deed Book / Page	3367 / 968
Prior Transfer Date	Feb 12, 2026
Prior Transfer Doc	0033670968
Record Updated	Oct 29, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	73 PALM DR, KEY WEST, FL 33040-6117
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2107 PATTERSON AVE, KEY WEST, FL 33040-3716

Mortgage

Document Number	0032841114
Date	Jul 12, 2024
Book Page	3284/1114
Instrument	2468191

Lender

Name	LANNY GARDNER
Type	Private Party
Address	794 E SHORE DR, SUMMERLAND KEY, FL 33042

Agreement

Type	Line of Credit
Amount	Amount on Record

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Feb 20, 2026
Property Address	73 PALM DR, KEY WEST, FL 33040-6117
Document Number	0033670968
Book / Page	3367 / 968
Map Reference	MB 3 PG 57
Instrument Date	Feb 12, 2026
Instrument	2533010
Transaction Type	Transfer
Record Updated	Mar 26, 2026
Title Company	THE CLOSING DEPARTMENT INC

Transaction

Amount	Amount on Record
Tax	$945.00
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	73 PALM DR, KEY WEST, FL 33040-6117

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	73 PALM DR, KEY WEST, FL 33040-6117

Mortgage

Document Number	0003367970
Date	Feb 20, 2026
Instrument	3367/970

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE FL
Recording Date	Apr 4, 2023
Property Address	73 PALM DR, KEY WEST, FL 33040-6117
Document Number	0032182050
Book / Page	3218 / 2050
Map Reference	MB 3 PG 57
Instrument Date	Apr 3, 2023
Instrument	2412698
Transaction Type	Transfer
Record Updated	Apr 26, 2023
Title Company	NOT AVAILABLE, THE CLOSING DEPARTMENT INC

Transaction

Amount	Amount on Record
Tax	$1,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1508 JULIA ST, GREEN COVE SPRINGS, FL 32043-3622

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2107 PATTERSON AVE, KEY WEST, FL 33040-3716

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Jun 18, 2020
Property Address	73 PALM DR, KEY WEST, FL 33040-6117
Document Number	0030270970
Book / Page	003027 / 000970
Instrument Date	Jun 1, 2020
Instrument	2269758
Transaction Type	Transfer
Record Updated	Jul 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	38 BAY DR KEY WEST FL 330406115, KEY WEST, FL 33040-6115

Tax Assessment & Valuation

The 2025 property tax bill for 73 Palm Dr was $1,803, up 1.9% from the year before.

Source: Monroe County assessment roll, as of December 8, 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	$1,803.00 (+1.86%)	$208,708 Land $206,798 Building $1,910	$208,708 Land $206,798 Building $1,910
2024	$1,770.00 (+0.34%)
2023	$1,764.00 (+31.45%)	$291,638 (+75.3%) Land $291,638	$291,638 (+75.3%) Land $291,638
2022	$1,342.00	$166,366 Land $166,366	$166,366 Land $166,366

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

Flood

FEMA maps place 73 Palm Dr 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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 537 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	537 in force
Nearby Flood Claims	1,085 (1980–2022)
Claims Outside the SFHA	1 of 1,085
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 256 claims Hurricane Wilma, Oct 2005 · 486 claims Hurricane Georges, Oct 1998 · 297 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

The area around 73 Palm Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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