Monroe County property record for 907 Tropical Ln, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,080 sqft · built 2004 |
| Lot Size | 0.092 acres (4,000 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $600,000 (Jul 2019) |
| Tax Bill | $7,048 (2025) |
| Deeds & Mortgages | Dec 2022 Transfer Jul 2019 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00468473-000600 |
| Primary APN | 00468473-000600 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,080 sqft Living Area |
| Gross Area | 1,356 sqft |
| 1st Floor Area | 1,080 sqft |
| Attic | Attic |
| Attic Area | 1,044 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 4,000 sqft (0.092 acres) |
| Lot Dimensions | 100 ft deep x 40 ft wide |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 276 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 255 sqft |
| Patio Area | 24 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1573761 |
|---|---|
| Street Address | 907 TROPICAL LN |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2815 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URM |
| Legal Description | BK 1 LT 6 CROSS KEY WATERWAY ESTATES SECTION THREE KEY LARGO PB6-61 OR478-199 OR605-848 OR1983-2416/17 OR1983-2434AFF OR2016-2346/47R/S OR2127-1424 OR2230-786/87 OR2559-1440/41C/T OR2589-1782/83 OR2975-0799 OR3204-2164 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 14 |
| Legal Subdivision | CROSS KEY WATERWAYS EST SEC 3 |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3000 |
| 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.
907 Tropical Ln is held in a trust since December 2022.
Source: Monroe County records, as of May 4, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 13700 SW 103RD PL, MIAMI, FL 33176-6674 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 14, 2022 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Jul 9, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AMERANT BK NA |
| Jul 16, 2019 | Warranty Deed, Transfer · Conventional Mortgage AMERANT BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 16, 2019 · Amount on File |
| Deed Sale | Jul 16, 2019 · Amount on File |
| Prior Sale | Sep 19, 2012 · Amount on File |
| Deed Document Number | 20192228842 |
| Deed Book / Page | 2975 / 799 |
| Last Transfer Date | Dec 12, 2022 |
| Transfer Doc | 0032042164 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Dec 14, 2022 |
| Property Address | 907 TROPICAL LN, KEY LARGO, FL 33037-2815 |
| Document Number | 0032042164 |
| Book / Page | 3204 / 2164 |
| Map Reference | MB 6 PG 61 |
| Instrument Date | Dec 12, 2022 |
| Instrument | 2400520 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13700 SW 103RD PL, MIAMI, FL 33176-6674 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 13700 S W 130 PLACE, MIAMI, FL 33176 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 907 TROPICAL LN, KEY LARGO, FL 33037-2815 |
| Document Number | 0029770686 |
| Instrument Date | Jul 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 13700 SW 103RD PL MIAMI FL 331766674, MIAMI, FL 33176-6674 |
| Document Number | 0029770686 |
|---|---|
| Date | Jul 29, 2019 |
| Book Page | 002977/000686 |
| Instrument | 2230489 |
| Name | AMERANT BK NA |
|---|---|
| Address | CORAL GABLES, FL 33134 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 28, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 16, 2019 |
| Property Address | 907 TROPICAL LN, KEY LARGO, FL 33037-2815 |
| Document Number | 0029750799 |
| Book / Page | 002975 / 000799 |
| Instrument Date | Jul 9, 2019 |
| Instrument | 2228842 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,200.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 13700 SW 103RD PL MIAMI FL 331766674, MIAMI, FL 33176-6674 |
| Document Number | 29750801 |
|---|---|
| Date | Jul 16, 2019 |
| Book Page | 002975/000801 |
| Instrument | 2228843 |
| Name | AMERANT BK NA |
|---|---|
| Address | CORAL GABLES, FL 33134 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 15, 2049 |
The 2025 property tax bill for 907 Tropical Ln was $7,048, up 7.6% from the year before.
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 | $7,048.00 (+7.62%) | $850,253 Land $510,000 Building $340,253 | $850,253 Land $510,000 Building $340,253 |
| 2024 | $6,549.00 (+6.33%) | ||
| 2023 | $6,159.00 (+14.84%) | $827,632 (+18.45%) Land $510,000 Building $317,632 | $827,632 (+18.45%) Land $510,000 Building $317,632 |
| 2022 | $5,363.00 | $698,725 Land $408,000 Building $290,725 | $698,725 Land $408,000 Building $290,725 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 907 Tropical Ln 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 281 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 299 units insured incl. 18 condo units |
| Nearby Flood Claims | 163 (1992–2024) |
| Claims Outside the SFHA | 3 of 163 |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| 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 907 Tropical Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% 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 305 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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