908 Estall St, Key Largo, FL 33037 Property Records

Monroe County property record for 908 Estall St, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,544 sqft · built 1960
Lot Size	0.153 acres (6,650 sqft)
Owner	Individual Name on File
Last Sale	$535,000 (Sep 2023)
Tax Bill	$1,416 (2023)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00520030-000000`

Property Details

APN / Parcel Number

Primary APN	`00520030-000000`
Alternative APNs	`05623900520030000000` `1639273`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,544 sqft Living Area
1st Floor Area	1,544 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1995
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,650 sqft (0.153 acres)
Lot Dimensions	95 ft deep x 70 ft wide

Exterior Amenities

Porch	Florida Room
Porch Area	676 sqft
Patio Area	97 sqft
Gazebo	96 sqft
Utility Building	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1639273
Street Address	908 ESTALL ST
City	KEY LARGO
State	FL
Zip	33037-4119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 6 LT 5 ROCK HARBOR EST KEY LARGO PB3-187 OR432-436 OR617-671 OR617-672 OR705-814 OR780-390 OR806-2113 OR810-1322 OR901-1040 OR966-2290 OR1137-518 OR1184-997 OR1543-2047 OR1891-2278 OR2124-332 OR2426-928 OR2429-989 OR2449-665 OR2765-2116 OR3244-220
Legal Range	39E
Legal Township	62S
Legal Section	05
Legal Subdivision	ROCK HARBOR ESTATE
Legal Block	6
Legal Lot Number	5
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2004
Census Tract	970600

Owner

908 Estall St is owned and occupied by an individual who bought it in September 2023.

Source: Monroe County records, as of December 8, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	908 ESTALL ST, KEY LARGO, FL 33037-4119
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 21, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Feb 21, 2020	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2023 · Amount on File
Deed Sale	Sep 29, 2023 · Amount on File
Prior Sale	Aug 31, 2009 · Amount on File
Deed Document Number	20232434266
Deed Book / Page	3244 / 2200
Prior Transfer Date	Jan 1, 1984
Prior Transfer Doc	0901001040
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 29, 2023
Property Address	908 ESTALL ST, KEY LARGO, FL 33037-4119
Document Number	0032442200
Book / Page	3244 / 2200
Map Reference	MB 3 PG 187
Instrument Date	Sep 8, 2023
Instrument	2434266
Transaction Type	Transfer
Record Updated	Oct 25, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,745.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1110 GRAND ST, KEY LARGO, FL 33037-4124

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	908 ESTALL ST, KEY LARGO, FL 33037-4119

Mortgage

Document Number	0032442202
Date	Sep 29, 2023
Instrument	3244/2202

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Mortgage

Document Number	0032442223
Date	Sep 29, 2023
Book Page	3244/2223
Instrument	2434268

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Government Agency
Address	TALLAHASSEE, FL 32301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Interest

Rate	5%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	908 ESTALL ST, KEY LARGO, FL 33037-4119
Document Number	0030110210
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	Jun 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	908 ESTALL ST KEY LARGO FL 330374119, KEY LARGO, FL 33037-4119

Mortgage

Document Number	0030110210
Date	Feb 28, 2020
Book Page	003011/000210
Instrument	2257901

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	936 Months
Due	Feb 27, 2098

Interest

Rate Type	Adjustable Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	908 ESTALL ST, KEY LARGO, FL 33037-4119
Document Number	0030110224
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	908 ESTALL ST KEY LARGO FL 330374119, KEY LARGO, FL 33037-4119

Mortgage

Document Number	0030110224
Date	Feb 28, 2020
Book Page	003011/000224
Instrument	2257902

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	936 Months
Due	Feb 27, 2098

Interest

Rate Type	Adjustable Rate
Rate	5.42%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$1,416.00 (+5.75%) Senior Citizen's exemption	$181,998 (+3%)	$441,761 (+27.95%) Land $325,584 Building $116,177
2022	$1,339.00 Senior Citizen's exemption	$176,698	$345,254 Land $227,231 Building $118,023

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.

Flood

FEMA maps place 908 Estall St 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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 425 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	957 units insured incl. 532 condo units
Nearby Flood Claims	227 (1982–2022)
Claims Outside the SFHA	13 of 227
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 156 claims Hurricane Irene, Oct 1999 · 11 claims Hurricane Georges, Sep 1998 · 30 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

Wildfire risk around 908 Estall St is moderate, ranking above 45% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 57 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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