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978 Gibraltar Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 978 Gibraltar Rd, Key Largo, FL 33037

Property Summary

Property TypeDuplex
Details4 bd · 2 ba · 1,484 sqft · built 1984
Lot Size0.118 acres (5,125 sqft)
OwnerCompany Name on Record
Last Sale$400,000 (Mar 2022)
Tax Bill$4,605 (2025)
Deeds & MortgagesMar 2022 Sale
Flood ZoneZone AE (high risk)
APN00545530-000000

Property Details

APN / Parcel Number

Primary APN00545530-000000
Alternative APNs
  • 22613900545530000000
  • 1669032

Interior

Bedrooms4 Beds
Full Baths2 Baths
Units2 Units
Stories2 Stories
Building Area1,484 sqft Living Area
1st Floor Area1,484 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 2000
Architectural StyleDuplex Single
Exterior MaterialWood
Construction TypeWood
Foundation TypePile
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area5,125 sqft (0.118 acres)
Garage TypeCovered
Garage Area1,560 sqft
PorchOpen Porch
Porch Area222 sqft
Patio Area150 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1669032
Street Address978 GIBRALTAR RD
CityKEY LARGO
StateFL
Zip33037-4609
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning CodeIS
Legal DescriptionBK 1 LT 18 WINSTON PARK SUB PB4-104 KEY LARGO OR297-77 OR644-744Q 0R725-791/92 OR833-810 OR833-811 OR896-1608 OR998-1330 OR1124-587 OR1325-110 OR1992-1723 OR1992-1724 OR2638-1446/47C/T OR2654-798/800 OR3160-1427
Legal Range39E
Legal Township61S
Legal Section22
Legal SubdivisionWINSTON PARK
Legal Block1
Legal Lot Number18
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2009
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 May 29, 2026

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

Owner of RecordCompany Name on Record
Mailing Address5219 N HIATUS RD, SUNRISE, FL 33351-8027
Owner TypeCompany
VestingLimited Liability Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 14, 2022 · Amount on Record
Deed SaleMar 14, 2022 · Amount on Record
Prior SaleOct 15, 2013 · Amount on Record
Deed Document Number20222365562
Deed Book / Page3160 / 1427
Prior Transfer DateApr 14, 2004
Prior Transfer Doc0001436909
Record UpdatedOct 29, 2026

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMar 14, 2022
Property Address978 GIBRALTAR RD, KEY LARGO, FL 33037-4609
Document Number0031601427
Book / Page3160 / 1427
Map ReferenceMB 4 PG 104
Instrument DateMar 3, 2022
Instrument2365562
Transaction TypeTransfer
Record UpdatedApr 4, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$2,800.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2201 W ATLANTIC BLVD, 2201, POMPANO BEACH, FL 33069-2792

Transferred To (Grantee/Buyer)

NameVerified Name
Address5219 N HIATUS RD, SUNRISE, FL 33351-8027

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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$4,605.00 (+0.24%)$377,120 (+1.5%) Land $129,406 Building $247,714$377,120 (+1.5%) Land $129,406 Building $247,714
2024$4,594.00 (+6.81%)
2023$4,301.00 (+0.47%)$371,563 (-15.05%) Land $134,583 Building $236,980$371,563 (-15.05%) Land $134,583 Building $236,980
2022$4,281.00$437,381 Land $196,698 Building $240,683$437,381 Land $196,698 Building $240,683

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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