Monroe County property record for 979 Gibraltar Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,620 sqft · built 2002 |
| Lot Size | 0.289 acres (12,600 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,364 (2024) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00545680-000000 |
| Primary APN | 00545680-000000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,620 sqft Living Area |
| 1st Floor Area | 1,620 sqft |
| Flooring | Terrazzo |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Other |
| Foundation Type | Pile |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 12,600 sqft (0.289 acres) |
| Lot Dimensions | 105 ft deep x 120 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
| Porch | Open Porch |
| Porch Area | 725 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1669181 |
|---|---|
| Street Address | 979 GIBRALTAR RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4608 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 2 LTS 7-8 WINSTON PARK SUB PB4-104 KEY LARGO OR230-555-556 OR794-1307 OR965-1096 OR1013-312 OR1466-1088/91FJ OR1630-1192 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 22 |
| Legal Subdivision | WINSTON PARK |
| Legal Block | 2 |
| Legal Lot Number | 7-8 8 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 970400 |
Source: NPS National Register of Historic Places, as of August 1, 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.
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 979 GIBRALTAR RD, KEY LARGO, FL 33037-4608 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 1, 2022 |
| Deed Sale | Mar 1, 2022 |
| Deed Document Number | 0031921854 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 979 GIBRALTAR RD, KEY LARGO, FL 33037-4608 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2021 |
| Name | Verified Name |
|---|---|
| Address | 979 GIBRALTAR RD, KEY LARGO, FL 33037-4608 |
| Document Number | 0030890856 |
|---|---|
| Date | Apr 14, 2021 |
| Book Page | 3089/856 |
| Instrument | 2313979 |
| Name | FIRST FLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2036 |
Source: Monroe County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $379,182 (+5.99%) | $684,667 (-7.22%) Land $334,152 Building $350,515 | |
| 2024 | $3,364.00 (+4.73%) | ||
| 2023 | $3,212.00 (+4.25%) Senior Citizen's exemption | $357,764 (+3%) | $737,940 (+11.96%) Land $388,962 Building $348,978 |
| 2022 | $3,081.00 Homeowner's exemption | $347,344 | $659,134 Land $301,644 Building $357,490 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 245 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 245 in force |
| Nearby Flood Claims | 161 (1992–2023) |
| Claims Outside the SFHA | 6 of 161 |
| Most Recent Claim | Nov 2023 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 344 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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