Monroe County property record for 809 Largo Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 708 sqft · built 1962 |
| Lot Size | 0.119 acres (5,224 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $395,785 (Sep 2021) |
| Tax Bill | $821 (2024) |
| Deeds & Mortgages | Jul 2023 Line of Credit Sep 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00537740-000000 |
| Primary APN | 00537740-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 708 sqft Living Area |
| 1st Floor Area | 708 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 5,224 sqft (0.119 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 45 sqft |
| Patio Area | 696 sqft |
| Fence | Fence |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Account Number | 1661261 |
|---|---|
| Old Parcel Number | 31604000537740000000 |
| Street Address | 809 LARGO RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3107 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 14 LT 22 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR261-200 OR305-200/01 OR384-854/55 OR665-69 OR772-779 OR858-249 |
| Legal Range | 40E |
| Legal Township | 60S |
| Legal Section | 31 |
| Legal Subdivision | LAKE SURPRISE ESTATES |
| Legal Block | 14 |
| Legal Lot Number | 22 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2019 |
| 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 December 5, 2025
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 | 809 LARGO RD, KEY LARGO, FL 33037-3107 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 28, 2023 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| Sep 21, 2021 | Warranty Deed, Transfer · VA Mortgage INNOVATIVE MORTGAGE SERVICES |
| Sep 24, 2019 | Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND |
| Jan 4, 2019 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 21, 2021 · Amount on Record |
| Deed Sale | Sep 21, 2021 · Amount on Record |
| Prior Sale | Jan 4, 2019 |
| Deed Document Number | 2340569 |
| Deed Book / Page | 3126 / 2037 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 809 LARGO RD, KEY LARGO, FL 33037-3107 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 809 LARGO RD, KEY LARGO, FL 33037-3107 |
| Document Number | 0032360763 |
|---|---|
| Date | Jul 28, 2023 |
| Book Page | 3236/763 |
| Instrument | 2426727 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 21, 2021 |
| Property Address | 809 LARGO RD, KEY LARGO, FL 33037-3107 |
| Document Number | 0031262037 |
| Book / Page | 3126 / 2037 |
| Map Reference | MB 4 PG 162 |
| Instrument Date | Sep 20, 2021 |
| Instrument | 2340569 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2021 |
| Title Company | ABSOLUTE FIRST TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,770.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 809 LARGO RD, 809, KEY LARGO, FL 33037-3107 |
| Name | Verified Name |
|---|---|
| Address | 809 LARGO RD, KEY LARGO, FL 33037-3107 |
| Document Number | 31262039 |
|---|---|
| Date | Sep 21, 2021 |
| Instrument | 3126/2039 |
| Name | INNOVATIVE MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 809 LARGO RD, KEY LARGO, FL 33037-3107 |
| Document Number | 0029890955 |
| Instrument Date | Sep 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2019 |
| Title Company | TITLE365 - OMAHA |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 809 LARGO RD KEY LARGO FL 330373107, KEY LARGO, FL 33037-3107 |
| Document Number | 0029890955 |
|---|---|
| Date | Oct 15, 2019 |
| Book Page | 002989/000955 |
| Instrument | 2240412 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 14, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jan 4, 2019 |
| Property Address | 809 LARGO RD, KEY LARGO, FL 33037-3107 |
| Document Number | 0029430736 |
| Book / Page | 002943 / 000736 |
| Instrument Date | Dec 13, 2018 |
| Instrument | 2200681 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2019 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 809 LARGO RD KEY LARGO FL 330373107, KEY LARGO, FL 33037-3107 |
Source: Monroe County assessment roll, as of July 1, 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 | $371,036 (+3.33%) Land $229,294 Building $141,742 | $371,036 (-7.33%) Land $229,294 Building $141,742 | |
| 2024 | $821.00 (+11.55%) | ||
| 2023 | $736.00 (+0.55%) Homeowner's exemption | $359,077 (+3%) | $400,392 (+14.85%) Land $245,763 Building $154,629 |
| 2022 | $732.00 Homeowner's exemption | $348,619 Land $190,023 Building $158,596 | $348,619 Land $190,023 Building $158,596 |
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 433 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 660 units insured incl. 227 condo units |
| Nearby Flood Claims | 80 (1999–2024) |
| Claims Outside the SFHA | 1 of 80 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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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