77 Coconut Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 77 Coconut Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,320 sqft · built 2004
Lot Size	0.119 acres (5,200 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (May 2017)
Tax Bill	$4,413 (2024)
Deeds & Mortgages	Jan 2021 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00526790-000000`

Property Details

APN / Parcel Number

Primary APN	`00526790-000000`
Alternative APNs	`28613900526790000000` `1646024`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,320 sqft Living Area
1st Floor Area	1,320 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2010
Exterior Material	Other
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,200 sqft (0.119 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	280 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1646024
Old Parcel Number	28613900526790000000
Street Address	77 COCONUT DR
City	KEY LARGO
State	FL
Zip	33037-2523
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 15 LTS 3 AND 23 AMD PLAT OF PB3-62 KEY LARGO PARK KEY LARGO OR463-499 OR699-332 OR811-1504 OR841-2227 OR940-68
Legal Range	39E
Legal Township	61S
Legal Section	28
Legal Subdivision	KEY LARGO PARK AMD
Legal Block	15
Legal Lot Number	3,23 23
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1021
Census Tract	970500

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

77 Coconut Dr is owned and occupied by two individuals who bought it in May 2017.

Source: Monroe County records, as of December 5, 2025

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	77 COCONUT DR, KEY LARGO, FL 33037-2523
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage EAST COAST MORTGAGE LENDERS INC
May 1, 2017	Warranty Deed, Transfer · Conventional Mortgage EAST COAST MORTGAGE LENDERS INC

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	May 1, 2017 · Amount on File
Deed Sale	May 1, 2017 · Amount on File
Prior Sale	Oct 9, 2014 · Amount on File
Deed Document Number	2121070
Deed Book / Page	2851 / 2104
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	77 COCONUT DR, KEY LARGO, FL 33037-2523
Transaction Type	Mortgage
Record Updated	Feb 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030720620
Date	Jan 29, 2021
Book Page	3072/620
Instrument	2301642

Lender

Name	EAST COAST MORTGAGE LENDERS INC
Type	Mortgage Company
Address	PALM CITY, FL 34990

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 1, 2017
Property Address	77 COCONUT DR, KEY LARGO, FL 33037-2523
Document Number	0028512104
Book / Page	2851 / 2104
Map Reference	MB3 PG62
Instrument Date	Apr 26, 2017
Instrument	2121070
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ABSOLUTE FIRST TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	77 COCONUT DR, 77, KEY LARGO, FL 33037-2523

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	77 COCONUT DR, KEY LARGO, FL 33037-2523

Mortgage

Document Number	0002121071
Date	May 1, 2017
Instrument	2121071

Lender

Name	EAST COAST MORTGAGE LENDERS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

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		$499,926 Land $239,590 Building $260,336	$499,926 Land $239,590 Building $260,336
2024	$4,413.00 (+4.77%)
2023	$4,212.00 (+7.45%)	$473,602 (-0.61%) Land $226,980 Building $246,622	$473,602 (-0.61%) Land $226,980 Building $246,622
2022	$3,920.00	$476,490 Land $226,980 Building $249,510	$476,490 Land $226,980 Building $249,510

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

Flood

FEMA maps place 77 Coconut Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 177 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	204 units insured incl. 27 condo units
Nearby Flood Claims	50 (1984–2025)
Claims Outside the SFHA	8 of 50
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims Hurricane Wilma, Oct 2005 · 20 claims Hurricane Georges, Sep 1998 · 9 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 77 Coconut 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 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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