Monroe County property record for 78 Ave D, Key Largo, FL 33037
| Property Type | Residential Vacant Land |
|---|---|
| Details | 1 bd · 1 ba · 1,256 sqft · built 1967 |
| Lot Size | 0.084 acres (3,648 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $875,000 (May 2026) |
| Tax Bill | $2,212 (2024) |
| Deeds & Mortgages | Oct 2025 Mortgage May 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00459550-000000 |
| Primary APN | 00459550-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,256 sqft Living Area |
| 1st Floor Area | 1,256 sqft |
| Flooring | Terrazzo |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Mobile Home |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Flat |
| Roof Material | Metal |
| Lot Area | 3,648 sqft (0.084 acres) |
| Porch | Florida Room |
| Porch Area | 302 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1563072 |
|---|---|
| Street Address | 78 AVENUE D |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2651 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | URM |
| Legal Description | BK 4 LT 12 KEY LARGO TRAILER VILLAGE PB5-43 KEY LARGO OR568-838 OR881-1037 OR926-158 OR1142-71 OR1142-75AFF OR1630-2128 OR3249-436 OR3279-2238 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 22 |
| Legal Subdivision | KEY LARGO TRAILER VILLAGE |
| Legal Block | 4 |
| Legal Lot Number | 12 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1017 |
| 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 May 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 78 AVENUE D, KEY LARGO, FL 33037-2651 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 31, 2025 | Deed of Trust, Mortgage · Commercial Mortgage RBI PRIVATE LENDING LLC |
| May 13, 2026 | Warranty Deed · Conventional Mortgage MOUNTAIN MORTGAGE CORPORATION |
| May 13, 2026 | Warranty Deed, Transfer · Conventional Mortgage FOUNDATION MORTGAGE |
| Oct 31, 2023 | Warranty Deed, Transfer · Seller Carry-Back ANTONY RUPRECHT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 13, 2026 · Amount on Record |
| Deed Sale | May 13, 2026 · Amount on Record |
| Prior Sale | Oct 31, 2023 · Amount on Record |
| Deed Document Number | 20262543409 |
| Deed Book / Page | 3380 / 2147 |
| Prior Transfer Date | Jun 4, 2024 |
| Prior Transfer Doc | 0032792238 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 78 AVENUE D, KEY LARGO, FL 33037-2651 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 11821 SW 107TH CT, MIAMI, FL 33176-3935 |
| Document Number | 0033511548 |
|---|---|
| Date | Oct 31, 2025 |
| Book Page | 3351/1548 |
| Instrument | 2520568 |
| Name | RBI PRIVATE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33180 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 13, 2026 |
| Property Address | 78 AVENUE D, KEY LARGO, FL 33037-2651 |
| Document Number | 0002543409 |
| Book / Page | 3380 / 2147 |
| Instrument Date | May 10, 2026 |
| Instrument | 2026.2543409 |
| Record Updated | May 22, 2026 |
| Title Company | BUTLER TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $618,625.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 78 AVENUE D, KEY LARGO, FL 33037-2651 |
| Document Number | 0002543410, |
|---|---|
| Date | May 13, 2026 |
| Instrument | 2026..2543410 |
| Name | MOUNTAIN MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 13, 2026 |
| Property Address | 78 AVENUE D, KEY LARGO, FL 33037-2651 |
| Document Number | 0033802147 |
| Book / Page | 3380 / 2147 |
| Instrument Date | May 10, 2026 |
| Instrument | 20262543409 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | BUTLER TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $618,625.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 78 AVENUE D, KEY LARGO, FL 33037-2651 |
| Document Number | 0002543410, |
|---|---|
| Date | May 13, 2026 |
| Instrument | 20262543410 |
| Name | FOUNDATION MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Oct 31, 2023 |
| Property Address | 78 AVENUE D, KEY LARGO, FL 33037-2651 |
| Document Number | 0032490436 |
| Book / Page | 3249 / 436 |
| Map Reference | MB 5 PG 43 |
| Instrument Date | Sep 25, 2023 |
| Instrument | 2438625 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,680.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 81 AVENUE D, KEY LARGO, FL 33037-2653 |
| Name | Verified Name |
|---|---|
| Address | 11821 SW 107TH CT, MIAMI, FL 33176-3935 |
| Document Number | 0003249438 |
|---|---|
| Date | Oct 31, 2023 |
| Instrument | 3249/438 |
| Name | ANTONY RUPRECHT |
|---|---|
| Type | Seller |
| Type | Seller Carry-Back |
|---|---|
| Amount | Amount Recorded |
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 | $243,778 (-1.82%) Land $243,778 | $243,778 (-1.82%) Land $243,778 | |
| 2024 | $2,212.00 (+31.98%) | $248,292 (+21.56%) Land $248,292 | $248,292 (+21.56%) Land $248,292 |
| 2023 | $1,676.00 (-14.71%) | $204,249 (+9.09%) Land $202,245 Building $2,004 | $204,249 (+9.09%) Land $202,245 Building $2,004 |
| 2022 | $1,965.00 | $187,228 Land $152,587 Building $34,641 | $187,228 Land $152,587 Building $34,641 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 147 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 151 units insured incl. 4 condo units |
| Nearby Flood Claims | 160 (1979–2022) |
| Claims Outside the SFHA | 3 of 160 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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 99.1% of the US · lower than 98.7% 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 414 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures