916 Red Bird Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 916 Red Bird Rd, Key Largo, FL 33037

Property Summary

Property Type	Condominium
Details	5 bd · 3 ba · 2,874 sqft · built 1983
Lot Size	0.113 acres (4,902 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,100,000 (Mar 2025)
Tax Bill	$7,240 (2025)
Deeds & Mortgages	Aug 2022 Sale & Reverse Mortgage Feb 2018 Loan Modification + 1 more
Flood Zone	Zone AE (high risk)
APN	`00485871-000200`

Property Details

APN / Parcel Number

Primary APN	`00485871-000200`
Alternative APNs	`13623800485871000200` `8657307`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,874 sqft Living Area
1st Floor Area	2,897 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2017
Architectural Style	Condo/Apartment
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,902 sqft (0.113 acres)
Garage Type	Covered
Garage Area	220 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	467 sqft
Deck Area	240 sqft
Patio Area	240 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	8657307
Street Address	916 RED BIRD RD
City	KEY LARGO
State	FL
Zip	33037-3835
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	IS
Legal Description	BK 5 LT 12 LESS THE SELY 5FT AND LESS THE NELY 70.74FT LIME GROVE ESTATES SEC 1 PB5-54 OR509-780 OR795-2046 OR824-270/271 OR851-1088 OR858-2381Q/C OR873-1030 OR886-1139/1176-DEC OR957-1508QC OR960-406 OR1055-1847C OR1303-604 OR1320-68/69DISC/AFF OR13
Legal Range	38E
Legal Township	62S
Legal Section	13
Legal Subdivision	LIME GROVE ESTATE SEC 1
Legal Block	5
Legal Lot Number	12
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2004
Census Tract	970600

Owner

Source: Monroe County records, as of August 21, 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	916 RED BIRD RD, KEY LARGO, FL 33037-3835
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2022	Warranty Deed, Transfer · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
Feb 12, 2018	Loan Modification, Mortgage · Conventional Mortgage US SMALL BUSN ADMN
Oct 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2025 · Amount on Record
Deed Sale	Mar 12, 2025 · Amount on Record
Prior Sale	Aug 19, 2022 · Amount on Record
Deed Document Number	20252492985
Deed Book / Page	3315 / 1718
Prior Transfer Date	Oct 12, 2006
Prior Transfer Doc	0022461789
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 19, 2022
Property Address	916 RED BIRD RD, KEY LARGO, FL 33037-3835
Document Number	0031900708
Book / Page	3190 / 708
Map Reference	MB 5 PG 54
Instrument Date	Aug 18, 2022
Instrument	2388481
Transaction Type	Transfer
Record Updated	Sep 20, 2022
Title Company	FOCUS TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$8,554.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9045 HICKORY GROVE ROAD, 9045, KEY LARGO, FL 33037

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	916 RED ROAD, KEY LARGO, FL 33037

Mortgage

Document Number	0031900710
Date	Aug 19, 2022
Book Page	3190/710
Instrument	2388482

Lender

Name	LONGBRIDGE FINANCIAL LLC
Type	Reverse Mortgage Lender
Address	MAHWAH, NJ 07495

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.53%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.5%

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	916 RED BIRD RD, KEY LARGO, FL 33037-3835
Document Number	0028911699
Book / Page	002891 / 001699
Instrument Date	Feb 12, 2018
Transaction Type	Mortgage
Record Updated	Feb 22, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	916 RED BIRD RD KEY LARGO FL 330373835, KEY LARGO, FL 33037-3835

Mortgage

Document Number	0028911699
Date	Feb 12, 2018
Book Page	002891/001699
Instrument	2155146

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 11, 2048

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	916 RED BIRD RD, KEY LARGO, FL 33037-3835
Document Number	0028741524
Book / Page	002874 / 001524
Instrument Date	Oct 2, 2017
Transaction Type	Mortgage
Record Updated	Nov 14, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	916 RED BIRD RD KEY LARGO FL 330373835, KEY LARGO, FL 33037-3835

Mortgage

Document Number	0028741524
Date	Oct 12, 2017
Book Page	002874/001524
Instrument	2139514

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 11, 2047

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	$7,240.00 (+4.87%)	$845,469 (+5.99%)	$916,758 (-11.66%) Land $479,332 Building $437,426
2024	$6,904.00 (+3.51%)
2023	$6,670.00 (+47.21%) Senior Citizen's exemption	$797,711 (+47.37%)	$1,037,787 (+23.82%) Land $513,106 Building $524,681
2022	$4,531.00 Homeowner's exemption	$541,302	$838,165 Land $337,741 Building $500,424

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

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	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 176 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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