910 Tropical Ln, Key Largo, FL 33037 Property Records

Monroe County property record for 910 Tropical Ln, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,177 sqft · built 2009
Lot Size	0.093 acres (4,050 sqft)
Owner	Individual Name on File
Last Sale	$1,225,000 (Feb 2022)
Tax Bill	$9,243 (2024)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00468471-000600`

Property Details

APN / Parcel Number

Primary APN	`00468471-000600`
Alternative APNs	`14613900468471000600` `1571946`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,177 sqft Living Area
1st Floor Area	1,258 sqft
Attic	Attic
Attic Area	589 sqft
Flooring	Marble
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,050 sqft (0.093 acres)
Lot Dimensions	90 ft deep x 45 ft wide
View / Lot	Canal
Garage Type	Carport
Garage Area	596 sqft
Carport	Carport
Carport Area	596 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	964 sqft
Deck Area	765 sqft
Patio Area	18 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1571946
Street Address	910 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 ONE KEY LARGO PB 6-51 OR478-202 OR586-795/96 OR721-644/55 OR723-697/08 (LT-705) (UNRECORDED CONT) OR889-2038/2039T/A OR1176-1683 OR2061-2466/67 OR2511-691 OR2915-270 OR3157-0974
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	CROSS KEY WATERWAYS EST SEC 1
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

Historic Designation

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.

Owner

910 Tropical Ln is owned and occupied by an individual who bought it in February 2022.

Source: Monroe County records, as of March 19, 2026

Owner of Record	Individual Name on File
Mailing Address	910 TROPICAL LN, KEY LARGO, FL 33037-2815
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 3, 2018	Warranty Deed, Transfer · Conventional Mortgage CENTERSTATE BANK OF FLORIDA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2022 · Amount on File
Deed Sale	Feb 25, 2022 · Amount on File
Prior Sale	Jul 3, 2018 · Amount on File
Deed Document Number	20222363301
Deed Book / Page	3157 / 974
Prior Transfer Date	Feb 15, 2011
Prior Transfer Doc	0025110691
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 25, 2022
Property Address	910 TROPICAL LN, KEY LARGO, FL 33037-2815
Document Number	0031570974
Book / Page	3157 / 974
Map Reference	MB 6 PG 51
Instrument Date	Feb 10, 2022
Instrument	2363301
Transaction Type	Transfer
Record Updated	Mar 18, 2022
Title Company	NU WORLD TITLE/KENDALL LLC, NU WORLD TITLE OF DORAL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,575.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1917 LYNX DR, 1917, HUTCHINSON ISLAND, FL 34949-8895

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	910 TROPICAL LN, KEY LARGO, FL 33037-2815

Mortgage

Document Number	0003157976
Date	Feb 25, 2022
Instrument	3157/976

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 3, 2018
Property Address	910 TROPICAL LN, KEY LARGO, FL 33037-2815
Document Number	0029150270
Book / Page	2915 / 0270
Map Reference	MB6 PG51
Instrument Date	Jun 19, 2018
Instrument	2176358
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	CORAL REEF TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,809.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8655 SW 205TH CIR, 8655, DUNNELLON, FL 34431-5333

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	910 TROPICAL LN, KEY LARGO, FL 33037-2815

Mortgage

Document Number	0002176359
Date	Jul 3, 2018
Instrument	2176359

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

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
2025		$1,031,555 Land $516,375 Building $515,180	$1,031,555 Land $516,375 Building $515,180
2024	$9,243.00 (+2.29%)
2023	$9,036.00 (+99.82%)	$1,080,935 (+88.64%) Land $516,375 Building $564,560	$1,080,935 (+18.27%) Land $516,375 Building $564,560
2022	$4,522.00 Homeowner's exemption	$573,000	$913,936 Land $413,100 Building $500,836

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 910 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	Hurricane Irma, Sep 2017 · 29 claims Hurricane Wilma, Oct 2005 · 96 claims Hurricane Georges, Sep 1998 · 12 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

The area around 910 Tropical Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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 416 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

May also be available: T-Mobile.

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