998 Gibraltar Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 998 Gibraltar Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,200 sqft · built 1979
Lot Size	0.117 acres (5,125 sqft)
Owner	Individual Name on Record
Last Sale	$649,000 (Dec 2022)
Tax Bill	$5,665 (2024)
Deeds & Mortgages	Feb 2024 Mortgage Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00545540-000000`

Property Details

APN / Parcel Number

Primary APN	`00545540-000000`
Alternative APNs	`22613900545540000000` `1669041`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2010
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Reinforced Concrete
Roof Material	Other
Lot Area	5,125 sqft (0.117 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	636 sqft
Patio Area	360 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1669041
Old Parcel Number	22613900545540000000
Street Address	998 GIBRALTAR RD
City	KEY LARGO
State	FL
Zip	33037-4609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1 LT 19 WINSTON PARK SUB PB4-104 KEY LARGO OR644-744 OR725-791/792 OR774-646 OR894-1260 OR1098-182 OR1100-1225C
Legal Range	39E
Legal Township	61S
Legal Section	22
Legal Subdivision	WINSTON PARK
Legal Block	1
Legal Lot Number	19
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2009
Census Tract	970400

Historic Designation

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.

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	998 GIBRALTAR RD, KEY LARGO, FL 33037-4609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 29, 2024	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 19, 2022	Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Sep 5, 2017	Warranty Deed, Transfer SUNSHINE TITLE CORPORATION, SUNSHINE TITLE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2022 · Amount on Record
Deed Sale	Dec 19, 2022 · Amount on Record
Prior Sale	Sep 5, 2017 · Amount on Record
Deed Document Number	2400962
Deed Book / Page	3205 / 682
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	998 GIBRALTAR RD, KEY LARGO, FL 33037-4609
Transaction Type	Mortgage
Record Updated	Mar 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	998 GIBRALTAR RD, KEY LARGO, FL 33037-4609

Mortgage

Document Number	0032641099
Date	Feb 29, 2024
Book Page	3264/1099
Instrument	2452803

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	585 SOUTH BLVD E, PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 19, 2022
Property Address	998 GIBRALTAR RD, KEY LARGO, FL 33037-4609
Document Number	0032050682
Book / Page	3205 / 682
Map Reference	MB 4 PG 104
Instrument Date	Dec 9, 2022
Instrument	2400962
Transaction Type	Transfer
Record Updated	Jan 23, 2023
Title Company	BAY2OCEAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,543.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 303, DANIEL, WY 83115-0303

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	998 GIBRALTAR RD, KEY LARGO, FL 33037-4609

Mortgage

Document Number	0003205683
Date	Dec 19, 2022
Instrument	3205/683

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.99%
Type Change Date	Jan 1, 2024
Change Frequency	6 Months
Min Rate At Change	7.99%
Max Rate At Change	9.99%
Index	Other
Margin	5
Max Rate	12.9%

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 5, 2017
Property Address	998 GIBRALTAR RD, KEY LARGO, FL 33037-4609
Document Number	0028712497
Book / Page	002871 / 002497
Instrument Date	Sep 1, 2017
Instrument	2137526
Transaction Type	Transfer
Record Updated	Oct 23, 2017
Title Company	SUNSHINE TITLE CORPORATION, SUNSHINE TITLE CORP

Transaction

Amount	Amount Recorded
Tax	$2,170.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	101 OLEANDER CIR KEY LARGO FL 330374217, KEY LARGO, FL 33037-4217

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$599,744 (-2.4%) Land $269,165 Building $330,579	$599,744 (-2.4%) Land $269,165 Building $330,579
2024	$5,665.00 (+7.56%)	$614,493 (+7.65%) Land $289,870 Building $324,623	$614,493 (+7.65%) Land $289,870 Building $324,623
2023	$5,267.00 (+17.8%)	$570,812 (+6.56%) Land $253,636 Building $317,176	$570,812 (+6.56%) Land $253,636 Building $317,176
2022	$4,471.00	$535,678 Land $196,698 Building $338,980	$535,678 Land $196,698 Building $338,980

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

Flood

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	Hurricane Irma, Sep 2017 · 91 claims Hurricane Irene, Oct 1999 · 31 claims Hurricane Georges, Sep 1998 · 11 claims

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

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.

Internet Providers

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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