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975 Gibraltar Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 975 Gibraltar Rd, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,287 sqft · built 2005
Lot Size0.144 acres (6,300 sqft)
OwnerIndividual Name on Record
Last Sale$460,000 (Dec 2020)
Tax Bill$5,315 (2024)
Deeds & MortgagesDec 2020 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00545700-000000

Property Details

APN / Parcel Number

Primary APN00545700-000000
Alternative APN
  • 1669202

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,287 sqft Living Area
1st Floor Area1,287 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2012
Exterior MaterialOther
Foundation TypePile
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area6,300 sqft (0.144 acres)
Lot Dimensions105 ft deep x 60 ft wide
Garage TypeCarport
CarportCarport
Pool TypePublic / Commercial Pool
PorchOpen Porch
Porch Area595 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1669202
Street Address975 GIBRALTAR RD
CityKEY LARGO
StateFL
Zip33037-4608
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 2 LT 9 WINSTON PARK SUB PB4-104 KEY LARGO OR231-372 OR794-1307 OR965-1096 OR1013-312 OR1630-1192 OR3062-1063
Legal Range39E
Legal Township61S
Legal Section22
Legal SubdivisionWINSTON PARK
Legal Block2
Legal Lot Number9
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2008
Census Tract970400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed AreaWithin 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

Source: Monroe County records, as of December 5, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address975 GIBRALTAR RD, KEY LARGO, FL 33037-4608
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 14, 2020 · Amount on Record
Deed SaleDec 14, 2020 · Amount on Record
Deed Document Number2294866
Deed Book / Page3062 / 1063
Record UpdatedJun 8, 2026

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateDec 14, 2020
Property Address975 GIBRALTAR RD, KEY LARGO, FL 33037-4608
Document Number0030621063
Book / Page3062 / 1063
Map ReferenceMB 4 PG 104
Instrument DateDec 10, 2020
Instrument2294866
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyCORAL REEF TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,220.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address975 GIBRALTAR RD, 975, KEY LARGO, FL 33037-4608

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address975 GIBRALTAR RD, KEY LARGO, FL 33037-4608

Mortgage

Document Number0030621066
DateDec 14, 2020
Instrument3062/1066
Lender
NameEAST COAST MORTGAGE LENDERS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2051

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$628,756 (+4.68%) Land $285,012 Building $343,744$628,756 (+4.68%) Land $285,012 Building $343,744
2024$5,315.00 (+8.49%)
2023$4,899.00 (+12.54%)$600,646 (+13.26%) Land $277,830 Building $322,816$600,646 (+13.26%) Land $277,830 Building $322,816
2022$4,353.00$530,347 Land $215,460 Building $314,887$530,347 Land $215,460 Building $314,887

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 245 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies245 in force
Nearby Flood Claims161 (1992–2023)
Claims Outside the SFHA6 of 161
Most Recent ClaimNov 2023 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 91 claims
  • Hurricane Irene, Oct 1999 · 31 claims
  • Hurricane Georges, Sep 1998 · 11 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 RiskModerate
above 48% of the US · lower than 81% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 19 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Starlink
Satellite		280 / 30

May also be available: Hotwire Communications.

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