Monroe County property record for 989 Valencia Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,600 sqft · built 1998 |
| Lot Size | 0.117 acres (5,125 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $134,900 (Feb 1998) |
| Tax Bill | $2,082 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00545390-000000 |
| Primary APN | 00545390-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,600 sqft Living Area |
| 1st Floor Area | 1,600 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,125 sqft (0.117 acres) |
| Porch | Open Porch |
| Porch Area | 67 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1668893 |
|---|---|
| Old Parcel Number | 22613900545390000000 |
| Street Address | 989 VALENCIA RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4658 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1 LT 4 WINSTON PARK SUB PB4-104 KEY LARGO OR297-77 OR644-744Q OR725-791/792 OR834-165 OR834-167Q/C OR1321-1210T/D |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 22 |
| Legal Subdivision | WINSTON PARK |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| 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.
989 Valencia Rd is owned and occupied by two individuals who bought it in February 1998.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 989 VALENCIA RD, KEY LARGO, FL 33037-4658 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 1, 1998 · Amount on File |
| Deed Sale | Feb 1, 1998 · Amount on File |
| Prior Sale | Aug 31, 1994 · Amount on File |
| Deed Document Number | 0015012219 |
| Prior Transfer Date | Nov 27, 1995 |
| Prior Transfer Doc | 0137900165 |
| Record Updated | Jun 8, 2026 |
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 | $206,701 | $500,636 Land $269,165 Building $231,471 | |
| 2024 | $2,082.00 (+6.22%) | ||
| 2023 | $1,960.00 (+4.7%) Homeowner's exemption | $195,026 (+3%) | $482,960 (+14.99%) Land $253,636 Building $229,324 |
| 2022 | $1,872.00 Homeowner's exemption | $189,346 | $420,007 Land $196,698 Building $223,309 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 989 Valencia 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 989 Valencia Rd is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.
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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