Monroe County property record for W176 Ave A, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 1,610 sqft · built 2018 |
| Lot Size | 0.083 acres (3,600 sqft) |
| Owner | Company Name on File |
| Last Sale | $740,000 (Jan 2019) |
| Tax Bill | $7,022 (2023) |
| Deeds & Mortgages | Aug 2022 Mortgage Jan 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00461850-000000 |
| Primary APN | 00461850-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,610 sqft Living Area |
| 1st Floor Area | 648 sqft |
| Attic | Attic |
| Attic Area | 616 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Mobile Home |
| Exterior Material | Other |
| Construction Type | Wood |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 3,600 sqft (0.083 acres) |
| Lot Dimensions | 80 ft deep x 45 ft wide |
| View / Lot | Canal |
| Garage Type | Carport |
| Garage Area | 616 sqft |
| Carport | Carport |
| Carport Area | 616 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 1,096 sqft |
| Deck Area | 48 sqft |
| Patio Area | 638 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1565288 |
|---|---|
| Street Address | W176 AVENUE A |
| City | KEY LARGO |
| State | FL |
| Zip | 33037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URM |
| Legal Description | BK 17 LT 13 KEY LARGO TRAILER VILLAGE FIRST ADDITION KEY LARGO PB5-55 OR499-394 OR803-1903 OR926-1472 OR977-328 OR991-2338 OR2180-2215/16 OR2778-402 OR2843-1750/51 OR2943-2166 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 21 |
| Legal Subdivision | KEY LARGO TRAILER VILLAGE 1ST ADD |
| Legal Block | 17 |
| Legal Lot Number | 13 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1017 |
| 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.
W176 Ave A is owned by a company that bought it in January 2019.
Source: Monroe County records, as of April 7, 2026
| Owner of Record | Company Name on File |
|---|---|
| Owner Type | Company |
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 |
|---|---|
| Aug 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA |
| Jan 9, 2019 | Warranty Deed, Transfer · ARM CITIBANK NA |
| Mar 15, 2017 | Warranty Deed, Transfer · Construction Mortgage FIRST ST BK/FL KEYS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 9, 2019 · Amount on File |
| Deed Sale | Jan 9, 2019 · Amount on File |
| Prior Sale | Mar 15, 2017 · Amount on File |
| Deed Document Number | 20192201080 |
| Deed Book / Page | 2943 / 2166 |
| Prior Transfer Date | Aug 14, 2005 |
| Prior Transfer Doc | 0001561679 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 176 W AVENUE A, KEY LARGO, FL 33037-2647 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2022 |
| Name | Verified Name |
|---|---|
| Address | 707 ALTARA AVE, CORAL GABLES, FL 33146-1201 |
| Document Number | 0031900229 |
|---|---|
| Date | Aug 18, 2022 |
| Book Page | 3190/229 |
| Instrument | 2388254 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jan 9, 2019 |
| Property Address | 176 W AVENUE A, KEY LARGO, FL 33037-2647 |
| Document Number | 0029432166 |
| Book / Page | 2943 / 2166 |
| Map Reference | MB 5 PG 55 |
| Instrument Date | Jan 4, 2019 |
| Instrument | 2201080 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,180.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4300 SW 4TH ST, 4300, CORAL GABLES, FL 33134-1926 |
| Name | Verified Name |
|---|---|
| Address | 707 ALTARA AVE, CORAL GABLES, FL 33146-1201 |
| Document Number | 0002201081 |
|---|---|
| Date | Jan 9, 2019 |
| Instrument | 2201081 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Feb 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.62% |
| Index | 1-Year LIBOR |
| Max Rate | 8.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 15, 2017 |
| Property Address | 176 W AVENUE A, KEY LARGO, FL 33037-2647 |
| Document Number | 0028431750 |
| Book / Page | 002843 / 001750 |
| Instrument Date | Mar 6, 2017 |
| Instrument | 2114246 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $700.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4300 SW 4TH ST CORAL GABLES FL 331341926, CORAL GABLES, FL 33134-1926 |
| Document Number | 28431755 |
|---|---|
| Date | Mar 15, 2017 |
| Book Page | 002843/001755 |
| Instrument | 2114248 |
| Name | FIRST ST BK/FL KEYS |
|---|---|
| Type | Bank |
| Address | KEY WEST, FL 33040 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 14, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
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 |
|---|---|---|---|
| 2023 | $7,022.00 (+12.98%) | $927,215 (+12.53%) Land $428,400 Building $498,815 | $927,215 (+12.53%) Land $428,400 Building $498,815 |
| 2022 | $6,215.00 | $823,956 Land $324,000 Building $499,956 | $823,956 Land $324,000 Building $499,956 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place W176 Ave A 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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 147 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 151 units insured incl. 4 condo units |
| Nearby Flood Claims | 160 (1979–2022) |
| Claims Outside the SFHA | 3 of 160 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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.
The area around W176 Ave A has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 414 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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