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84 Central Ave, Key Largo, FL 33037 Property Records

Monroe County property record for 84 Central Ave, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 768 sqft · built 1989
Lot Size0.114 acres (5,000 sqft)
OwnerIndividual Name on Record
Last Sale$375,000 (Sep 2018)
Tax Bill$4,310 (2024)
Deeds & MortgagesAug 2020 Mortgage
Sep 2018 Sale & Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN00517290-000000

Property Details

APN / Parcel Number

Primary APN00517290-000000
Alternative APNs
  • 14623800517290000000
  • 1636541

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area768 sqft Living Area
1st Floor Area768 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 2015
Exterior MaterialWood
Construction TypeWood
Foundation TypePile
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area5,000 sqft (0.114 acres)
Lot Dimensions100 ft deep x 50 ft wide
Garage TypeCarport
CarportCarport

Exterior Amenities

Pool TypePublic / Commercial Pool
PorchOpen Porch
Porch Area448 sqft
Patio Area204 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1636541
Old Parcel Number14623800517290000000
Street Address84 CENTRAL AVE
CityKEY LARGO
StateFL
Zip33037-2013
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 7 LT 13 BAY HAVEN SEC 3 PB2-41 KEY LARGO OR636-630 OR1120-351 OR1184-2288 OR1463-1394 OR1480-95M/L OR1911-2152
Legal Range38E
Legal Township62S
Legal Section14
Legal SubdivisionBAY HAVEN SEC 3
Legal Block7
Legal Lot Number13
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group1
Census Block1034
Census Tract970600

Owner

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address5005 NW 104TH WAY, CORAL SPRINGS, FL 33076-1758
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 10, 2020Deed of Trust, Mortgage · Conventional Mortgage
CROSSCOUNTRY MTG
Sep 6, 2018Warranty Deed, Transfer · Conventional Mortgage
CROSSCOUNTRY MORTGAGE INC
Jan 3, 2018Warranty Deed, Transfer
SUNSHINE TITLE CORPORATION

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 6, 2018 · Amount on Record
Deed SaleSep 6, 2018 · Amount on Record
Prior SaleJan 3, 2018 · Amount on Record
Deed Document Number2185486
Deed Book / Page2925 / 1597
Record UpdatedJun 8, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address84 CENTRAL AVE, KEY LARGO, FL 33037-2013
Document Number0030370221
Instrument DateAug 10, 2020
Transaction TypeMortgage
Record UpdatedSep 24, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address5005 NW 104TH WAY CORAL SPRINGS FL 330761758, CORAL SPRINGS, FL 33076-1758

Mortgage

Document Number0030370221
DateAug 12, 2020
Book Page003037/000221
Instrument2276927
Lender
NameCROSSCOUNTRY MTG
TypeMortgage Company
AddressBRECKSVILLE, OH 44141
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 11, 2050

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateSep 6, 2018
Property Address84 CENTRAL AVE, KEY LARGO, FL 33037-2013
Document Number0029251597
Book / Page2925 / 1597
Map ReferenceMB2 PG41
Instrument DateAug 28, 2018
Instrument2185486
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanySINSHINE TITLE OF THE KEYS I

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,625.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address149 N BAY HARBOR DR, 149, KEY LARGO, FL 33037-2005

Transferred To (Grantee/Buyer)

NameVerified Name
Address5005 NW 104TH WAY, CORAL SPRINGS, FL 33076-1758
InvestorPossibly a Property Investor

Mortgage

Document Number0002185487
DateSep 6, 2018
Instrument2185487
Lender
NameCROSSCOUNTRY MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 1, 2048

January 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJan 3, 2018
Property Address84 CENTRAL AVE, KEY LARGO, FL 33037-2013
Document Number0028852229
Book / Page002885 / 002229
Instrument DateDec 29, 2017
Instrument2149832
Transaction TypeTransfer
Record UpdatedJan 16, 2018
Title CompanySUNSHINE TITLE CORPORATION

Transaction

AmountAmount Recorded
Tax$2,590.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address149 N BAY HARBOR DR KEY LARGO FL 330372005, KEY LARGO, FL 33037-2005

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$558,523 (-2.41%) Land $240,000 Building $318,523$558,523 (-2.41%) Land $240,000 Building $318,523
2024$4,310.00 (+3.53%)
2023$4,163.00 (+13.68%)$572,330 (+23.97%) Land $400,000 Building $172,330$572,330 (+23.97%) Land $400,000 Building $172,330
2022$3,662.00$461,664 Land $287,500 Building $174,164$461,664 Land $287,500 Building $174,164

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation7.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 272 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies272 in force
Nearby Flood Claims100 (1981–2024)
Claims Outside the SFHA9 of 100
Most Recent ClaimMay 2024 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 42 claims
  • Hurricane Wilma, Oct 2005 · 37 claims
  • Hurricane Andrew, Aug 1992 · 4 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 RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 168 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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