Monroe County property record for 983 Gibraltar Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,151 sqft · built 2018 |
| Lot Size | 0.289 acres (12,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $835,000 (Mar 2021) |
| Tax Bill | $5,513 (2024) |
| Deeds & Mortgages | Dec 2025 Transfer Apr 2022 Transfer + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00545660-000000 |
| Primary APN | 00545660-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 4,151 sqft Living Area |
| Gross Area | 4,855 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 12,600 sqft (0.289 acres) |
| Lot Dimensions | 105 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 704 sqft |
| Porch | Florida Room |
| Patio Area | 36 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 1669164 |
|---|---|
| Street Address | 983 GIBRALTAR RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4608 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 2 LT 4-5 WINSTON PARK SUB PB4-104 KEY LARGO OR725-791/92 OR768-1960 OR1764-2225 OR2567-1192 OR2835-1832 OR3085-367 OR3166-1064 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 22 |
| Legal Subdivision | WINSTON PARK |
| Legal Block | 2 |
| Legal Lot Number | 4-5 |
| 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.
983 Gibraltar Rd is owned and occupied by two individuals who acquired it in April 2022.
Source: Monroe County records, as of December 29, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 983 GIBRALTAR RD, KEY LARGO, FL 33037-4608 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 18, 2025 | Correction Deed ATTORNEY ONLY, ATTORNEY |
| Apr 8, 2022 | Intrafamily Transfer, Transfer CORAL REEF TITLE COMPANY |
| Mar 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK NA |
| Jan 20, 2017 | Warranty Deed, Transfer CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 30, 2021 · Amount on File |
| Deed Sale | Mar 30, 2021 · Amount on File |
| Prior Sale | Feb 28, 2002 · Amount on File |
| Deed Document Number | 20212311075 |
| Deed Book / Page | 3085 / 367 |
| Last Transfer Date | Apr 5, 2022 |
| Transfer Doc | 0031661064 |
| Record Updated | Sep 20, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Dec 18, 2025 |
| Property Address | 983 GIBRALTAR RD, KEY LARGO, FL 33037-4608 |
| Document Number | 0033581275 |
| Book / Page | 3358 / 1275 |
| Map Reference | MB 4 PG 104 |
| Instrument Date | Dec 11, 2025 |
| Instrument | 2525844 |
| Record Updated | Jan 15, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 983 GIBRALTAR RD, KEY LARGO, FL 33037-4608 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 983 GIBRALTAR RD, KEY LARGO, FL 33037-4608 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 8, 2022 |
| Property Address | 983 GIBRALTAR RD, KEY LARGO, FL 33037-4608 |
| Document Number | 0031661064 |
| Book / Page | 3166 / 1064 |
| Map Reference | MB 4 PG 104 |
| Instrument Date | Apr 5, 2022 |
| Instrument | 2369937 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2022 |
| Title Company | CORAL REEF TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 983 GIBRALTAR RD, KEY LARGO, FL 33037-4608 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 30, 2021 |
| Property Address | 983 GIBRALTAR RD, KEY LARGO, FL 33037-4608 |
| Document Number | 0030850367 |
| Book / Page | 3085 / 367 |
| Map Reference | MB 4 PG 104 |
| Instrument Date | Mar 25, 2021 |
| Instrument | 2311075 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | CORAL REEF TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,845.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 68 BASS AVE, 68, KEY LARGO, FL 33037-4708 |
| Name | Verified Name |
|---|---|
| Address | 983 GIBRALTAR RD, KEY LARGO, FL 33037-4608 |
| Document Number | 0003085369 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 3085/369 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jan 20, 2017 |
| Property Address | 983 GIBRALTAR RD, KEY LARGO, FL 33037-4608 |
| Document Number | 0028351832 |
| Book / Page | 002835 / 001832 |
| Instrument Date | Jan 19, 2017 |
| Instrument | 2107562 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2017 |
| Title Company | CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO |
| Amount | Amount on Record |
|---|---|
| Tax | $1,120.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 68 BASS AVE KEY LARGO FL 330374708, KEY LARGO, FL 33037-4708 |
Source: Monroe County assessment roll, as of December 8, 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 | $690,212 | $1,126,156 Land $334,152 Building $792,004 | |
| 2024 | $5,513.00 (+4%) | ||
| 2023 | $5,301.00 (-31.44%) Homeowner's exemption | $651,224 (-34.38%) | $1,151,923 (+16.07%) Land $388,962 Building $762,961 |
| 2022 | $7,732.00 Homeowner's exemption | $992,424 Land $301,644 Building $690,780 | $992,424 Land $301,644 Building $690,780 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 983 Gibraltar Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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.
Wildfire risk around 983 Gibraltar Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% 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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