9 Gulf Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 9 Gulf Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,632 sqft · built 2019
Lot Size	0.061 acres (2,700 sqft)
Owner	Individual Name on File
Last Sale	$700,000 (Nov 2022)
Tax Bill	$2,414 (2024)
Deeds & Mortgages	Feb 2024 Mortgage Nov 2022 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00529300-000000`

Property Details

APN / Parcel Number

Primary APN	`00529300-000000`
Alternative APNs	`28613900529300000000` `1648531`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,632 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Other
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,700 sqft (0.061 acres)
Lot Dimensions	50 ft deep x 54 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	1648531
Old Parcel Number	28613900529300000000
Street Address	9 GULF DR
City	KEY LARGO
State	FL
Zip	33037-2514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 28 LT 12 AMD PLAT OF PB3-62 KEY LARGO PARK KEY LARGO OR88-204 OR830-1896 OR837-242 OR2165-161/62 OR2452-1940/41
Legal Range	39E
Legal Township	61S
Legal Section	28
Legal Subdivision	KEY LARGO PARK AMD
Legal Block	28
Legal Lot Number	12
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1014
Census Tract	970500

Owner

Source: Monroe County records · APN 00529300-000000

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	9 GULF DR, KEY LARGO, FL 33037-2514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2024	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 10, 2022	Warranty Deed, Transfer · Conventional Mortgage ARC HOME LLC
Sep 03, 2020	Deed of Trust, Mortgage · Conventional Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jun 18, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 10, 2022 · Amount on Record
Deed Sale	Nov 10, 2022 · Amount on Record
Prior Sale	Jun 18, 2019 · Amount on Record
Deed Document Number	2397207
Deed Book / Page	3201 / 89
Record Updated	Jun 08, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	9 GULF DR, KEY LARGO, FL 33037-2514
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 GULF DR, KEY LARGO, FL 33037-2514

Mortgage

Document Number	0032632328
Date	Feb 27, 2024
Book Page	3263/2328
Instrument	2452420

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	585 SOUTH BLVD E, PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2054

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 10, 2022
Property Address	9 GULF DR, KEY LARGO, FL 33037-2514
Document Number	0032010089
Book / Page	3201 / 89
Map Reference	MB 3 PG 62
Instrument Date	Nov 07, 2022
Instrument	2397207
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	BEST TITLE SOLUTIONS INC, STAR TITLE SOLUTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4803 GRASS BAY TRL, CHEBOYGAN, MI 49721-8989

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 GULF DR, KEY LARGO, FL 33037-2514

Mortgage

Document Number	0000320193
Date	Nov 10, 2022
Instrument	3201/93

Lender

Name	ARC HOME LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	9 GULF DR, KEY LARGO, FL 33037-2514
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 GULF DR, KEY LARGO, FL 33037-2514

Mortgage

Document Number	0030420075
Date	Sep 03, 2020
Book Page	3042/75
Instrument	2280252

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 18, 2019
Property Address	9 GULF DR, KEY LARGO, FL 33037-2514
Document Number	0029702029
Book / Page	002970 / 002029
Instrument Date	Jun 01, 2019
Instrument	2225344
Transaction Type	Transfer
Record Updated	Jul 10, 2019
Title Company	CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,045.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9 GULF DR KEY LARGO FL 330372514, KEY LARGO, FL 33037-2514

Mortgage

Document Number	29702031
Date	Jun 18, 2019
Book Page	002970/002031
Instrument	2225345

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2049

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$285,676 (+5.99%)	$494,307 (+6.18%) Land $144,923 Building $349,384
2024	$2,414.00 (+6.25%)
2023	$2,272.00 (-38.69%) Homeowner's exemption	$269,539 (-42.52%)	$465,539 (-0.72%) Land $137,295 Building $328,244
2022	$3,706.00	$468,915 Land $137,295 Building $331,620	$468,915 Land $137,295 Building $331,620

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 177 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	204 units insured incl. 27 condo units
Nearby Flood Claims	50 (1984–2025)
Claims Outside the SFHA	8 of 50
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims Hurricane Wilma, Oct 2005 · 20 claims Hurricane Georges, Sep 1998 · 9 claims

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Hotwire Communications.

Based on FCC filings for 222 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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