97 Palm Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 97 Palm Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,188 sqft · built 2015
Lot Size	0.081 acres (3,540 sqft)
Owner	Individual Name on File
Last Sale	$234,000 (May 2020)
Tax Bill	$4,577 (2024)
Deeds & Mortgages	Dec 2021 Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00162050-000000`

Property Details

APN / Parcel Number

Primary APN	`00162050-000000`
Alternative APNs	`08672700162050000000` `1207594`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,188 sqft Living Area
1st Floor Area	1,188 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2017
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	3,540 sqft (0.081 acres)
View / Lot	Canal
Garage Type	Covered
Garage Area	567 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	104 sqft
Deck Area	300 sqft
Patio Area	716 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1207594
Street Address	97 PALM DR
City	KEY LARGO
State	FL
Zip	33037-3205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URM
Legal Description	LT 48 BAY POINT TRAILER PARK SADDLEBUNCH KEYS PB3-57 OR24-243 OR576-363 OR956-1690 OR1026-568/69 OR1307-520 OR1465-999 OR2713-2210/11 OR2852-408/09 OR3024-0780
Legal Range	27E
Legal Township	67S
Legal Section	08
Legal Subdivision	BAY POINT TRAILER PARK
Legal Lot Number	48
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1039
Census Tract	971600

Owner

97 Palm Dr is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 5061, KEY WEST, FL 33045-5061
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
Dec 20, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
May 28, 2020	Quit Claim Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
May 2, 2017	Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2020 · Amount on File
Deed Sale	May 28, 2020 · Amount on File
Prior Sale	May 2, 2017 · Amount on File
Deed Document Number	20202267420
Deed Book / Page	3024 / 780
Prior Transfer Date	Mar 12, 2020
Prior Transfer Doc	0030240780
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	97 PALM DR, KEY WEST, FL 33040-6117
Transaction Type	Mortgage
Record Updated	Jan 18, 2022
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 5061, KEY WEST, FL 33045-5061

Mortgage

Document Number	0031440069
Date	Dec 20, 2021
Book Page	3144/69
Instrument	2353436

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	May 28, 2020
Property Address	97 PALM DR, KEY WEST, FL 33040-6117
Document Number	0030240780
Book / Page	3024 / 780
Map Reference	MB 3 PG 57
Instrument Date	Apr 1, 2020
Instrument	2267420
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	TITLE365

Transaction

Amount	Amount on Record
Tax	$1,638.00
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 PALM DR, KEY WEST, FL 33040-6117

Mortgage

Document Number	0003024783
Date	May 28, 2020
Instrument	3024/783

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 1, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 2, 2017
Property Address	97 PALM DR, KEY WEST, FL 33040-6117
Document Number	0028520408
Book / Page	2852 / 0408
Map Reference	MB3 PG57
Instrument Date	Apr 28, 2017
Instrument	2121314
Transaction Type	Transfer
Record Updated	Dec 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,395.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 5871, KEY WEST, FL 33045-5871

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	97 PALM DR, KEY WEST, FL 33040-6117

Mortgage

Document Number	0002121318
Date	May 2, 2017
Instrument	2121318

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 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		$539,805	$609,512 Land $287,696 Building $321,816
2024	$4,577.00
2023	$4,577.00 (+2.78%) Senior Citizen's exemption	$509,313 (+3%)	$634,845 (+28.39%) Land $334,884 Building $299,961
2022	$4,453.00 Senior Citizen's exemption	$494,479 Land $191,036 Building $303,443	$494,479 Land $191,036 Building $303,443

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 97 Palm Dr 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 537 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	537 in force
Nearby Flood Claims	1,085 (1980–2022)
Claims Outside the SFHA	1 of 1,085
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 256 claims Hurricane Wilma, Oct 2005 · 486 claims Hurricane Georges, Oct 1998 · 297 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 97 Palm Dr 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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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