Monroe County property record for 86 Ave A, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,269 sqft · built 2006 |
| Lot Size | 0.083 acres (3,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $339,000 (Apr 2018) |
| Tax Bill | $1,617 (2024) |
| Deeds & Mortgages | Apr 2018 Sale Dec 2016 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00458880-000000 |
| Primary APN | 00458880-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,269 sqft Living Area |
| 1st Floor Area | 1,269 sqft |
| Flooring | Wood |
| Interior Walls | Plywood |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 3,600 sqft (0.083 acres) |
| Lot Dimensions | 80 ft deep x 45 ft wide |
| Garage Type | Covered |
| Garage Area | 658 sqft |
| Porch | Open Porch |
| Porch Area | 351 sqft |
| Patio Area | 33 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1562416 |
|---|---|
| Street Address | 86 AVENUE A |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2613 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URM |
| Legal Description | BK 1 LT 11 KEY LARGO TRAILER VILLAGE KEY LARGO PB5-43 OR574-179 OR878-1593 OR882-610 OR931-1537 OR935-513 OR1063-95 OR1278-1989 OR1433-715 OR1433-717 OR1974-1731 OR2705-580 OR2705-582 OR2705-586 OR2902-1469 OR3253-1098 OR3253-1102 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 22 |
| Legal Subdivision | KEY LARGO TRAILER VILLAGE |
| Legal Block | 1 |
| Legal Lot Number | 11 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 970400 |
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 March 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 86 AVENUE A, KEY LARGO, FL 33037-2613 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Apr 23, 2018 | Warranty Deed, Transfer SUNSHINE TITLE/THE KEYS INC |
| Dec 13, 2016 | Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 23, 2018 · Amount on Record |
| Deed Sale | Apr 23, 2018 · Amount on Record |
| Prior Sale | Sep 30, 2014 |
| Deed Document Number | 20182165357 |
| Deed Book / Page | 2902 / 1469 |
| Last Transfer Date | Dec 7, 2023 |
| Transfer Doc | 0002442806 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 23, 2018 |
| Property Address | 86 AVENUE A, KEY LARGO, FL 33037-2613 |
| Document Number | 0029021469 |
| Book / Page | 002902 / 001469 |
| Instrument Date | Apr 16, 2018 |
| Instrument | 2165357 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2018 |
| Title Company | SUNSHINE TITLE/THE KEYS INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,373.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Brother and Sister |
| Address | 86 AVENUE A KEY LARGO FL 330372613, KEY LARGO, FL 33037-2613 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 86 AVENUE A, KEY LARGO, FL 33037-2613 |
| Document Number | 0028361841 |
| Book / Page | 002836 / 001841 |
| Instrument Date | Dec 13, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2017 |
| Title Company | VANTAGE POINT TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 86 AVENUE A KEY LARGO FL 330372613, KEY LARGO, FL 33037-2613 |
| Document Number | 0028361841 |
|---|---|
| Date | Jan 27, 2017 |
| Book Page | 002836/001841 |
| Instrument | 2108380 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 26, 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 | $153,420 (+5.99%) | $584,122 (+19.31%) Land $243,000 Building $341,122 | |
| 2024 | $1,617.00 (+10.45%) | ||
| 2023 | $1,464.00 (-0.61%) | $144,755 (+3%) | $489,603 (+18.04%) Land $201,600 Building $288,003 |
| 2022 | $1,473.00 | $140,539 | $414,793 Land $152,100 Building $262,693 |
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 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 147 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 151 units insured incl. 4 condo units |
| Nearby Flood Claims | 160 (1979–2022) |
| Claims Outside the SFHA | 3 of 160 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 414 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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