Monroe County property record for 845 Largo Rd, Key Largo, FL 33037
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 1 ba · 900 sqft · built 1980 |
| Lot Size | 0.12 acres (5,224 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $79,000 (May 2000) |
| Tax Bill | $1,062 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00537550-000000 |
| Primary APN | 00537550-000000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 900 sqft Living Area |
| 1st Floor Area | 900 sqft |
| Flooring | Plywood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Mobile Home |
| Exterior Material | Metal |
| Construction Type | Metal Frame |
| Roof Type | Flat |
| Roof Material | Metal |
| Lot Area | 5,224 sqft (0.12 acres) |
| Lot Dimensions | 80 ft deep x 50 ft wide |
| View / Lot | Canal |
| Porch | Florida Room |
| Porch Area | 296 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|
| Account Number | 1661074 |
|---|---|
| Street Address | 845 LARGO RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3107 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | SC |
| Legal Description | BK 14 LT 3 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR516-885 OR838-1426 OR904-2429 OR1018-1236 OR1036-1861 OR1107-1232 OR1634-508 OR1634-509 OR1634-511 OR2379-1359 OR3276-492 OR3276-496 |
| Legal Range | 40E |
| Legal Township | 60S |
| Legal Section | 31 |
| Legal Subdivision | LAKE SURPRISE ESTATES |
| Legal Block | 14 |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2000 |
| 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.
845 Largo Rd, a mobile home, is owned and occupied by two individuals who acquired it in May 2024.
Source: Monroe County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1709 ORKNEY DR, LEESBURG, FL 34788-7645 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 22, 2000 · Amount on File |
| Deed Sale | May 22, 2000 · Amount on File |
| Prior Sale | Sep 1, 1989 · Amount on File |
| Deed Book / Page | 1634 / 511 |
| Last Transfer Date | May 7, 2024 |
| Transfer Doc | 0032760496 |
| Record Updated | Sep 20, 2026 |
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 | $109,247 | $610,395 Land $578,937 Building $31,458 | |
| 2024 | $1,062.00 (+11.79%) | ||
| 2023 | $950.00 (+5.2%) Homeowner's exemption | $103,077 (+3%) | $484,960 (+18.28%) Land $456,055 Building $28,905 |
| 2022 | $903.00 Homeowner's exemption | $100,075 | $410,000 Land $380,046 Building $29,954 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 845 Largo Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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.
Wildfire risk around 845 Largo Rd is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 70% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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