734 Largo Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 734 Largo Rd, Key Largo, FL 33037

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 720 sqft · built 1972
Lot Size	0.114 acres (5,000 sqft)
Owner	Company Name on Record
Last Sale	$470,000 (Aug 2023)
Tax Bill	$3,490 (2024)
Deeds & Mortgages	Aug 2023 Sale Sep 2022 Second Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`00535600-000000`

Property Details

APN / Parcel Number

Primary APN	`00535600-000000`
Alternative APN	`1659100`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	720 sqft Living Area
1st Floor Area	720 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2016
Exterior Material	Other
Construction Type	Wood
Foundation Type	Block
Roof Type	Flat
Roof Material	Metal
Lot Area	5,000 sqft (0.114 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	288 sqft
Patio Area	344 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	1659100
Street Address	734 LARGO RD
City	KEY LARGO
State	FL
Zip	33037-3015
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	BK 6 LT 53 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR538-204 OR778-637 OR766-135 OR896-1492 OR954-1578 OR1647-878 OR2170-599
Legal Range	40E
Legal Township	60S
Legal Section	31
Legal Subdivision	LAKE SURPRISE ESTATES
Legal Block	6
Legal Lot Number	53
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	Company Name on Record
Mailing Address	22 SW 132ND CT, MIAMI, FL 33184-1175
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2023	Warranty Deed, Transfer COMPLETE CHOICE TITLE SERVICES, COMPLETE CHOICE TTL SVCS INC
Sep 8, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOMAS GARNICA
Dec 9, 2022	Warranty Deed, Transfer NOT AVAILABLE, BLUE EMPIRE T&E LLC
Oct 19, 2020	Warranty Deed, Transfer · Conventional with PMI TOMAS GARNICA
Apr 18, 2019	Warranty Deed, Transfer · ARM CENTERSTATE BANK OF FLORIDA NA
Feb 21, 2017	Warranty Deed, Transfer CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2023 · Amount on Record
Deed Sale	Aug 2, 2023 · Amount on Record
Prior Sale	Dec 9, 2022 · Amount on Record
Deed Document Number	2427285
Deed Book / Page	3236 / 2417
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 2, 2023
Property Address	734 LARGO RD, KEY LARGO, FL 33037-3015
Document Number	0032362417
Book / Page	3236 / 2417
Map Reference	MB 4 PG 162
Instrument Date	Aug 1, 2023
Instrument	2427285
Transaction Type	Transfer
Record Updated	Aug 18, 2023
Title Company	COMPLETE CHOICE TITLE SERVICES, COMPLETE CHOICE TTL SVCS INC

Transaction

Amount	Amount Recorded
Tax	$3,290.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12860 SW 14TH ST, MIAMI, FL 33184-2237

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 SW 132ND CT, MIAMI, FL 33184-1175

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	734 LARGO RD, KEY LARGO, FL 33037-3015
Transaction Type	Mortgage
Record Updated	Dec 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13521 SW 53RD ST, MIAMI, FL 33175-6153

Mortgage

Document Number	0031930710
Date	Sep 8, 2022
Book Page	3193/710
Instrument	2390665

Lender

Name	TOMAS GARNICA
Type	Private Party
Address	1420 BRICKELL BAY DR APT 907, MIAMI, FL 33131

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	5 Months
Due	Feb 1, 2023

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 9, 2022
Property Address	734 LARGO RD, KEY LARGO, FL 33037-3015
Document Number	0032041286
Book / Page	3204 / 1286
Map Reference	MB 4 PG 162
Instrument Date	Dec 6, 2022
Instrument	2400174
Transaction Type	Transfer
Record Updated	Dec 30, 2022
Title Company	NOT AVAILABLE, BLUE EMPIRE T&E LLC

Transaction

Amount	Amount Recorded
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13521 SW 53RD ST, MIAMI, FL 33175-6153

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12502 SW 9TH ST, MIAMI, FL 33184-2302

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 19, 2020
Property Address	734 LARGO RD, KEY LARGO, FL 33037-3015
Document Number	0030510485
Book / Page	003051 / 000485
Instrument Date	Oct 7, 2020
Instrument	2286775
Transaction Type	Transfer
Record Updated	Nov 6, 2020
Title Company	TITLE LEADERS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,085.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	13521 SW 53RD ST MIAMI FL 331756153, MIAMI, FL 33175-6153

Mortgage

Document Number	30510487
Date	Oct 19, 2020
Book Page	003051/000487
Instrument	2286776

Lender

Name	TOMAS GARNICA
Address	1420 BRICKELL BAY DR # 907, MIAMI, FL 33131-3615

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	24 Months
Due	Oct 18, 2022

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 18, 2019
Property Address	734 LARGO RD, KEY LARGO, FL 33037-3015
Document Number	0029592287
Book / Page	2959 / 2287
Map Reference	MB 4 PG 162
Instrument Date	Apr 8, 2019
Instrument	2216282
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,379.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	495 BRICKELL AVE APT 2403, 495, MIAMI, FL 33131-2787

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	734 LARGO RD, KEY LARGO, FL 33037-3015

Mortgage

Document Number	0029592289
Date	Apr 18, 2019
Instrument	2959-2289

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2024
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.62%
Index	1-Year CMT
Margin	3
Max Rate	10.6%

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 21, 2017
Property Address	734 LARGO RD, KEY LARGO, FL 33037-3015
Document Number	0028392353
Book / Page	002839 / 002353
Instrument Date	Feb 17, 2017
Instrument	2110994
Transaction Type	Transfer
Record Updated	May 3, 2017
Title Company	CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Transaction

Amount	Amount Recorded
Tax	$749.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	495 BRICKELL AVE #2403 MIAMI FL 331312787, 2403, MIAMI, FL 33131-2787

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		$379,353 (+17.88%) Land $226,250 Building $153,103	$379,353 (+17.88%) Land $226,250 Building $153,103
2024	$3,490.00 (+15.91%)
2023	$3,011.00 (+70.11%)	$321,822 (+46.42%) Land $242,500 Building $79,322	$321,822 (+46.42%) Land $242,500 Building $79,322
2022	$1,770.00	$219,791 Land $187,500 Building $32,291	$219,791 Land $187,500 Building $32,291

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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

734 Largo Rd, Key Largo, FL 33037 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Historic Designation

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

October 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

February 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Internet Providers

Nearby Properties on Largo Rd

Nearby Streets

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