829 Largo Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 829 Largo Rd, Key Largo, FL 33037

Property Summary

Property Type	Religious, Church, Worship (Synagogue, Temple, Parsonage)
Details	3 bd · 2 ba · 1,512 sqft · built 1990
Lot Size	0.12 acres (5,224 sqft)
Owner	2 Company Names on Record
Last Sale	$1,200,000 (Sep 2021)
Tax Bill	$2,116 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00537630-000000`

Property Details

APN / Parcel Number

Primary APN	`00537630-000000`
Alternative APNs	`31604000537630000000` `1661155`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	1,512 sqft Gross Area
1st Floor Area	1,512 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2003
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,224 sqft (0.12 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Porch	Slab
Deck Area	Deck Area
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1661155
Street Address	829 LARGO RD
City	KEY LARGO
State	FL
Zip	33037-3107
Property Category	Other
Property Type	Other > Religious, Church, Worship (Synagogue, Temple, Parsonage)
Local Zoning Code	SC
Legal Description	BK 14 LT 11 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR531-443 OR679-723 OR827-461 OR3126-0265
Legal Range	40E
Legal Township	60S
Legal Section	31
Legal Subdivision	LAKE SURPRISE ESTATES
Legal Block	14
Legal Lot Number	11
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2019
Census Tract	972700

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

Source: Monroe County records, as of May 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	13 BAY RD, KEY LARGO, FL 33037-2924
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2021 · Amount on Record
Deed Sale	Sep 16, 2021 · Amount on Record
Prior Sale	Feb 1, 1981 · Amount on Record
Deed Document Number	20212339959
Deed Book / Page	3126 / 265
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	829 LARGO RD, KEY LARGO, FL 33037-3107
Transaction Type	Mortgage
Record Updated	Jan 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030691143
Date	Jan 15, 2021
Book Page	3069/1143
Instrument	2299755

Lender

Name	CHRISTIAN FINANCIAL RESOURCES INC
Type	Non-Lending Institution
Address	LAKE MARY, FL 32746

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	37 Months
Due	Feb 1, 2024

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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	$2,116.00 (+46.64%)	$306,289 (+70.45%) Land $240,304 Building $65,985	$306,289 (+70.45%) Land $240,304 Building $65,985
2024	$1,443.00 (-23.37%)
2023	$1,883.00 (+2.62%) Additional exemption filed	$179,696 (-1.03%) Land $47,016 Building $132,680	$179,696 (-1.03%) Land $47,016 Building $132,680
2022	$1,835.00 Homeowner's exemption	$181,570 Land $47,016 Building $134,554	$181,570 Land $47,016 Building $134,554

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	Hurricane Ian, Sep 2022 · 11 claims Hurricane Irma, Sep 2017 · 33 claims Hurricane Wilma, Oct 2005 · 13 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

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.

Internet Providers

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