Monroe County property record for 76 Pumpkin Cay Rd, Key Largo, FL 33037
| Property Type | Condominium |
|---|---|
| Details | 1 bd · 1,950 sqft · built 1979 |
| Lot Size | 4 acres (193,277 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $655,000 (Apr 1989) |
| Tax Bill | $13,527 (2024) |
| Deeds & Mortgages | Feb 2018 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00569513-000513 |
| Primary APN | 00569513-000513 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Building Area | 1,950 sqft Living Area |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Condo/Apartment |
| Lot Area | 193,277 sqft (4 acres) |
| Account Number | 1702196 |
|---|---|
| Street Address | 76 PUMPKIN CAY RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3722 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | UR |
| Legal Description | PUMPKIN CAY GARDEN HOME CONDOMINIUM UNIT PC-76 OR792-353 OR1090-2038 OR3268-1604 |
| Legal Range | 41E |
| Legal Township | 59S |
| Legal Section | 07 |
| Legal Subdivision | PUMPKIN CAY O.R. #7 2ND REV |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3050 |
| Census Tract | 972700 |
76 Pumpkin Cay Rd, a condominium, is held in a trust since January 2025.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 9475 DEERECO RD, 200, LUTHERVILLE TIMONIUM, MD 21093-2122 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 1989 · Amount on File |
| Deed Sale | Apr 1, 1989 · Amount on File |
| Prior Sale | Jun 1, 1979 · Amount on File |
| Deed Book / Page | 1090 / 2038 |
| Last Transfer Date | Jan 14, 2025 |
| Transfer Doc | 0033072406 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 76 PUMPKIN CAY RD, KEY LARGO, FL 33037-3722 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Title Company | NATIONAL LINK |
| Name | Verified Name |
|---|
| Document Number | 0028911035 |
|---|---|
| Date | Feb 9, 2018 |
| Book Page | 2891/1035 |
| Instrument | 2154841 |
| Name | PNC MORTGAGE LLC |
|---|---|
| Type | Lending Institution |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 1, 2033 |
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 | $2,037,930 | $3,711,884 Building $3,711,884 | |
| 2024 | $13,527.00 (+2.45%) | ||
| 2023 | $13,204.00 (+4.74%) Homeowner's exemption | $1,922,812 (+3%) Building $1,922,812 | $3,982,878 (+36.44%) Building $3,982,878 |
| 2022 | $12,607.00 Homeowner's exemption | $1,866,808 Building $1,866,808 | $2,919,124 Building $2,919,124 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 76 Pumpkin Cay 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 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.
Wildfire risk around 76 Pumpkin Cay Rd is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures