Monroe County property record for 984 Gibraltar Rd, Key Largo, FL 33037
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,496 sqft · built 1986 |
| Lot Size | 0.118 acres (5,125 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $100 (Jan 1997) |
| Tax Bill | $4,878 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00545560-000000 |
| Primary APN | 00545560-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,496 sqft Living Area |
| 1st Floor Area | 1,496 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Duplex Single |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 5,125 sqft (0.118 acres) |
| Garage Type | Covered |
| Garage Area | 1,496 sqft |
| Porch | Open Porch |
| Porch Area | 63 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1669067 |
|---|---|
| Street Address | 984 GIBRALTAR RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4609 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | IS |
| Legal Description | BK 1 LT 21 WINSTON PARK SUB PB4-104 KEY LARGO OR297-77 OR644-744 OR725-791/92 OR832-744 OR835-2383 OR1167-183/84 OR1347-2191 OR1437-1538 OR1789-468/AFF OR1789-469 OR1789-470 OR2637-2431 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 22 |
| Legal Subdivision | WINSTON PARK |
| Legal Block | 1 |
| Legal Lot Number | 21 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2009 |
| 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 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 26 S BLACKWATER LN, KEY LARGO, FL 33037-2907 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 6, 1997 · Amount on Record |
| Deed Sale | Jan 6, 1997 · Amount on Record |
| Prior Sale | Apr 1, 1991 · Amount on Record |
| Deed Book / Page | 1437 / 1538 |
| Transfer Doc | 1437001538 |
| Record Updated | Oct 29, 2026 |
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 | $415,128 (+1.2%) Land $129,406 Building $285,722 | $415,128 (+1.2%) Land $129,406 Building $285,722 | |
| 2024 | $4,878.00 (+6.18%) | ||
| 2023 | $4,594.00 (+2.71%) | $410,223 (-12.9%) Land $134,583 Building $275,640 | $410,223 (-12.9%) Land $134,583 Building $275,640 |
| 2022 | $4,473.00 | $470,979 Land $196,698 Building $274,281 | $470,979 Land $196,698 Building $274,281 |
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 | Moderate above 48% of the US · lower than 81% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025
| Provider | Max 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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