978 Shaw Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 978 Shaw Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,795 sqft · built 1993
Lot Size	0.228 acres (9,937 sqft)
Owner	Individual Name on File
Last Sale	$1,200,000 (Jul 2021)
Tax Bill	$10,681 (2024)
Deeds & Mortgages	Jul 2021 Sale May 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00548150-000000`

Property Details

APN / Parcel Number

Primary APN	`00548150-000000`
Alternative APN	`1671631`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,795 sqft Living Area
1st Floor Area	1,456 sqft
Attic	Attic
Attic Area	476 sqft
Basement Area	860 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,937 sqft (0.228 acres)
View / Lot	Canal
Garage Type	Carport
Garage Area	406 sqft
Carport	Carport
Carport Area	406 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	632 sqft
Deck Area	84 sqft
Patio Area	1,580 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1671631
Street Address	978 SHAW DR
City	KEY LARGO
State	FL
Zip	33037-2721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 1 LT 16 TWIN LAKES PB3-160 KEY LARGO OR422-163/164 OR1241-1771 OR1361-1015 OR1361-1015 OR1669-1846 OR1989-704/09 OR2095-1948 OR2345-2040/2041 OR2907-317/19 OR3116-0598
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	TWIN LAKES
Legal Block	1
Legal Lot Number	16
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3000
Census Tract	970400

Owner

Source: Monroe County records · APN 00548150-000000

Assessment roll updated December 8, 2025 · Last verified April 2026

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

Owner of Record	Individual Name on File
Mailing Address	10021 SW 63RD AVE, PINECREST, FL 33156-3327
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 16, 2018	Warranty Deed, Transfer MARYANNE HOOVER

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 30, 2021 · Amount on Record
Deed Sale	Jul 30, 2021 · Amount on Record
Prior Sale	May 16, 2018 · Amount on Record
Deed Document Number	20212332844
Deed Book / Page	3116 / 598
Prior Transfer Date	Feb 09, 2008
Prior Transfer Doc	0023452040
Record Updated	Jun 08, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 30, 2021
Property Address	978 SHAW DR, KEY LARGO, FL 33037-2721
Document Number	0031160598
Book / Page	3116 / 598
Map Reference	MB 3 PG 160
Instrument Date	Jul 22, 2021
Instrument	2332844
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$8,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13960 SW 111TH ST, 13960, MIAMI, FL 33186-3275

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10021 SW 63RD AVE, PINECREST, FL 33156-3327

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 16, 2018
Property Address	978 SHAW DR, KEY LARGO, FL 33037-2721
Document Number	0029070317
Book / Page	002907 / 000317
Instrument Date	May 03, 2018
Instrument	2169447
Transaction Type	Transfer
Record Updated	Jun 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,125.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	978 SHAW DR KEY LARGO FL 330372721, KEY LARGO, FL 33037-2721

Mortgage

Document Number	29070320
Date	May 16, 2018
Book Page	002907/000320
Instrument	2169448

Lender

Name	MARYANNE HOOVER
Address	PO BOX 489, HOUGHTON LAKE, MI 48629-0489
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded

Interest

Rate	6%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,397,793 (+7.04%) Land $930,103 Building $467,690	$1,397,793 (+7.04%) Land $930,103 Building $467,690
2024	$10,681.00 (+6.62%)
2023	$10,018.00 (+20.42%)	$1,305,829 (+31.92%) Land $813,840 Building $491,989	$1,305,829 (+31.92%) Land $813,840 Building $491,989
2022	$8,319.00	$989,835 Land $491,882 Building $497,953	$989,835 Land $491,882 Building $497,953

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 281 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	299 units insured incl. 18 condo units
Nearby Flood Claims	163 (1992–2024)
Claims Outside the SFHA	3 of 163
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Irma, Sep 2017 · 29 claims Hurricane Wilma, Oct 2005 · 96 claims Hurricane Georges, Sep 1998 · 12 claims

Wildfire

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Historic Designation

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

Based on FCC filings for 9 locations within half a mile of this property.

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