Monroe County property record for 8 N End Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,306 sqft · built 1993 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $665,000 (Aug 2026) |
| Tax Bill | $4,288 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Sep 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 00538230-000000 |
| Primary APN | 00538230-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,306 sqft Living Area |
| 1st Floor Area | 1,306 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Porch | Open Porch |
| Porch Area | 146 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1661741 |
|---|---|
| Street Address | 8 N END RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5012 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 1 LT 17 OCEAN ISLE EST PB5-14 KEY LARGO OR601-4 OR822-931 OR825-1147 OR921-1094 OR1309-336/37 OR1529-818/19 OR2741-2473 OR2867-1216/18 OR2952-559/68 OR3083-1853 OR3164-0055 |
| Legal Range | 40E |
| Legal Township | 61S |
| Legal Section | 06 |
| Legal Subdivision | OCEAN ISLE ESTATE |
| Legal Block | 1 |
| Legal Lot Number | 17 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 972700 |
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 August 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 2526, PONTE VEDRA BEACH, FL 32004-2526 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Aug 18, 2026 | Warranty Deed, Transfer · Conventional Mortgage FUTURE FINANCIAL |
| Sep 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Mar 28, 2022 | Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 24, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage KEYS FCU |
| Aug 3, 2017 | Warranty Deed, Transfer CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 18, 2026 · Amount on Record |
| Deed Sale | Aug 18, 2026 · Amount on Record |
| Prior Sale | Mar 28, 2022 · Amount on Record |
| Deed Document Number | 20262557031 |
| Deed Book / Page | 3398 / 862 |
| Prior Transfer Date | Mar 10, 2021 |
| Prior Transfer Doc | 0030831853 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 18, 2026 |
| Property Address | 8 N END RD, KEY LARGO, FL 33037-5012 |
| Document Number | 0002557031 |
| Book / Page | 3398 / 862 |
| Instrument Date | Aug 11, 2026 |
| Instrument | 20262557031 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | PONTE VEDRA TITLE LLC, PONTE VEDRA TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $470,155.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0002557032, |
|---|---|
| Date | Aug 18, 2026 |
| Instrument | 20262557032 |
| Name | FUTURE FINANCIAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 8 N END RD, KEY LARGO, FL 33037-5012 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 8 N END RD, KEY LARGO, FL 33037-5012 |
| Document Number | 0030461851 |
|---|---|
| Date | Sep 28, 2020 |
| Book Page | 3046/1851 |
| Instrument | 2283565 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 28, 2022 |
| Property Address | 8 N END RD, KEY LARGO, FL 33037-5012 |
| Document Number | 0031640055 |
| Book / Page | 3164 / 55 |
| Map Reference | MB 5 PG 14 |
| Instrument Date | Mar 17, 2022 |
| Instrument | 2367938 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Title Company | BAY2OCEAN TITLE SERVICES, BAY 2 OCEAN TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,095.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9435 127TH AVE, 9435, FELLSMERE, FL 32948-5440 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 8 N END RD, KEY LARGO, FL 33037-5012 |
| Document Number | 0000316456 |
|---|---|
| Date | Mar 28, 2022 |
| Instrument | 3164/56 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 24, 2021 |
| Property Address | 8 N END RD, KEY LARGO, FL 33037-5012 |
| Document Number | 0030831853 |
| Book / Page | 3083 / 1853 |
| Map Reference | MB 5 PG 14 |
| Instrument Date | Mar 10, 2021 |
| Instrument | 2309988 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Title Company | CORAL REEF TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8 N END RD, KEY LARGO, FL 33037-5012 |
| Document Number | 0030831854 |
|---|---|
| Date | Mar 24, 2021 |
| Instrument | 3083/1854 |
| Name | KEYS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 3, 2017 |
| Property Address | 8 N END RD, KEY LARGO, FL 33037-5012 |
| Document Number | 0028671216 |
| Book / Page | 002867 / 001216 |
| Instrument Date | Jul 24, 2017 |
| Instrument | 2133833 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $855.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8 N END RD KEY LARGO FL 330375012, KEY LARGO, FL 33037-5012 |
| Document Number | 28671219 |
|---|---|
| Date | Aug 3, 2017 |
| Book Page | 002867/001219 |
| Instrument | 2133834 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 2, 2047 |
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 | $4,288.00 (+4.69%) Homeowner's exemption | $469,616 (+5.99%) | $563,818 (+14.62%) Land $278,100 Building $285,718 |
| 2024 | $4,096.00 (+4.25%) | ||
| 2023 | $3,929.00 (+63.64%) Homeowner's exemption | $443,089 (+71.41%) | $491,889 (+13.71%) Land $241,020 Building $250,869 |
| 2022 | $2,401.00 Homeowner's exemption | $258,499 | $432,569 Land $176,130 Building $256,439 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 225 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 225 in force |
| Nearby Flood Claims | 29 (2017–2023) |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 188 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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