Monroe County property record for 778 Canal St, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,418 sqft · built 1974 |
| Lot Size | 0.315 acres (13,700 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $64,000 (Feb 1975) |
| Tax Bill | $5,772 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00548440-000000 |
| Primary APN | 00548440-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,418 sqft Living Area |
| Gross Area | 2,748 sqft |
| 1st Floor Area | 1,830 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Geodesic/Dome |
| Roof Material | Concrete |
| Lot Area | 13,700 sqft (0.315 acres) |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 330 sqft |
| Porch | Florida Room |
| Porch Area | 1,026 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1671924 |
|---|---|
| Street Address | 778 CANAL ST |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2758 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 3 LT 12 TWIN LAKES PB3-160 KEY LARGO OR608-300 OR1136-1953 OR2067-666 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 14 |
| Legal Subdivision | TWIN LAKES |
| Legal Block | 3 |
| Legal Lot Number | 12 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 970400 |
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 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 778 CANAL ST, KEY LARGO, FL 33037-2758 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 1975 · Amount on Record |
| Deed Sale | Feb 1, 1975 · Amount on Record |
| Deed Book / Page | 608 / 300 |
| Last Transfer Date | Oct 1, 2004 |
| Transfer Doc | 0020670666 |
| Record Updated | Jun 8, 2026 |
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 | $821,600 (+5.57%) | $1,174,193 (+5.41%) Land $857,963 Building $316,230 | |
| 2024 | $5,772.00 (+5.68%) | ||
| 2023 | $5,462.00 (+15.33%) Homeowner's exemption | $778,227 (+22.55%) | $1,113,936 (+32.55%) Land $814,294 Building $299,642 |
| 2022 | $4,736.00 Homeowner's exemption | $635,011 | $840,392 Land $542,006 Building $298,386 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 281 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 299 units insured incl. 18 condo units |
| Nearby Flood Claims | 163 (1992–2024) |
| Claims Outside the SFHA | 3 of 163 |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| 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 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 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 305 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 |
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