Monroe County property record for 974 Shaw Dr, Key Largo, FL 33037 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 2,185 sqft · built 1980 |
| Lot Size | 0.228 acres (9,937 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,150,000 (May 2026) |
| Tax Bill | $10,626 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Nov 2023 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00548170-000000 |
| Primary APN | 00548170-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,185 sqft Living Area |
| 1st Floor Area | 1,520 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plaster |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Geodesic/Dome |
| Roof Material | Concrete |
| Lot Area | 9,937 sqft (0.228 acres) |
| View / Lot | Canal |
| Garage Type | Covered |
| Garage Area | 551 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 782 sqft |
| Deck Area | 340 sqft |
| Patio Area | 340 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1671657 |
|---|---|
| Street Address | 974 SHAW DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2721 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1 LT 18 TWIN LAKES PB3-160 KEY LARGO OR68-503 OR520-146 OR716-316 OR759-1297 OR770-1860 OR2592-339 OR3020-2142 OR3131-101 OR3249-896 OR3249-0899 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 14 |
| Legal Subdivision | TWIN LAKES |
| Legal Block | 1 |
| Legal Lot Number | 18 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 970400 |
Source: Monroe County records · APN 00548170-000000
Assessment roll updated December 8, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 3263 ATLANTIC CIR, NAPLES, FL 34119-8641 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK |
| Nov 01, 2023 | Warranty Deed, Transfer · Conventional Mortgage A&D MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 26, 2026 · Amount on Record |
| Deed Sale | May 26, 2026 · Amount on Record |
| Prior Sale | May 16, 2024 · Amount on Record |
| Deed Document Number | 20262544802 |
| Deed Book / Page | 3382 / 1453 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 26, 2026 |
| Property Address | 974 SHAW DR, KEY LARGO, FL 33037-2721 |
| Document Number | 0002544802 |
| Book / Page | 3382 / 1453 |
| Instrument Date | May 04, 2026 |
| Instrument | 20262544802 |
| Transaction Type | Transfer |
| Record Updated | Jun 04, 2026 |
| Title Company | ADVANCE PARTNERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,520,050.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3263 ATLANTIC CIR, NAPLES, FL 34119-8641 |
| Document Number | 0002544803, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 20262544803 |
| Name | FIFTH THIRD BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 01, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.74% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 01, 2023 |
| Property Address | 974 SHAW DR, KEY LARGO, FL 33037-2721 |
| Document Number | 0032490899 |
| Book / Page | 3249 / 899 |
| Map Reference | MB 3 PG 160 |
| Instrument Date | Oct 30, 2023 |
| Instrument | 2438793 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2023 |
| Title Company | CORAL REEF TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,450.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 77900 OLOMOUC, CZECH REPUBLIC XX |
| Name | Verified Name |
|---|---|
| Address | 974 SHAW DR, KEY LARGO, FL 33037-2721 |
| Document Number | 0003249902 |
|---|---|
| Date | Nov 01, 2023 |
| Instrument | 3249/902 |
| Name | A&D MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2053 |
Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,626.00 (+73.17%) Homeowner's exemption | $1,025,635 (-33.38%) | $1,473,745 (-4.27%) Land $930,103 Building $543,642 |
| 2024 | $6,136.00 (-42.65%) | ||
| 2023 | $10,699.00 (+26.95%) | $1,539,432 (+47.59%) Land $1,357,145 Building $182,287 | $1,539,432 (+47.59%) Land $1,357,145 Building $182,287 |
| 2022 | $8,428.00 | $1,043,013 Land $854,086 Building $188,927 | $1,043,013 Land $854,086 Building $188,927 |
Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Wildfire Risk | Moderate above 53% of the US · above 24% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 917 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.
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