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Single Family ResidenceResidential
$6,437,501$1,413 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $6,520,000 on May 7, 2026

20 BAY RIDGE RD

KEY LARGO, FL 33037
3
Beds
5
Baths
4,556 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.45 ac
Lot SizeThe size of the land the home sits on, from county records.
1973
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$6.4M
$5.9M low$7M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$6,520,000 · May 7, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$19,375 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$4,187,867 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$3,307,416
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$880,451
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$3,936,065
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$4,187,867

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.29 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.100%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMONROE
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2015
Lot (acres)The size of the land the home sits on, from county records.0.45
ConstructionThe main material the home's frame and walls are built from.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Tile
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 325 ft²Patio · 70 ft²Porch · 1,890 ft²

Transaction History(7)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(1)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Key Largo SchoolA-
Elementary · Grades PK–8 · 13.2 mi
H
Coral Shores High SchoolC+
High · Grades 9–12 · 27.4 mi

District: Monroe County School District

Neighborhood · ZIP 33037These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.139
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.81
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.10

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.61%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.6%
PopulationHow many people live in this area.13,627
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.83 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$75,684
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$116,746
Average tempThe average temperature here across a full year.76°F
Annual precipHow much rain and melted snow falls here in a typical year.53 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.75%

Owner Tools

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

20 Bay Ridge Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 98% of homes in Monroe County
  • Costs less per square foot than 90% of homes in Ocean Reef
  • Bigger than 98% of homes in Monroe County
  • Has a bigger lot than 79% of homes in Monroe County
  • Older than 73% of homes in Key Largo 33037

What homes are worth in Key Largo 33037

Each bar is how many homes fall in that price range. The marker is this home.

This home
$411K$10M

This home is worth more than 92% of homes in Key Largo 33037.

How it measures up in Key Largo 33037

The dot is this home. The mark in the middle is the typical home in Key Largo 33037.

Estimated value$6,437,501
CheaperTypical $1,111,941Pricier

Pricier than 92% of homes nearby

Price per ft²$1413
CheaperTypical $743Pricier

Pricier than 80% of homes nearby

Living area4,556 ft²
SmallerTypical 1,400 ft²Bigger

Bigger than 96% of homes nearby

Lot size0.45 ac
SmallerTypical 0.18 acBigger

Bigger than 74% of homes nearby

Year built1973
OlderTypical 1983Newer

Newer than 27% of homes nearby

How 20 Bay Ridge Rd ranks against every home in each area.
MeasureThis homeOcean ReefKey Largo 33037Monroe County
Estimated valuepricier than$6,437,50162% of homes92% of homes98% of homes
Price per ft²pricier than$141310% of homes80% of homes90% of homes
Living areabigger than4,556 ft²81% of homes96% of homes98% of homes
Lot sizebigger than0.45 ac29% of homes74% of homes79% of homes
Year builtnewer than197353% of homes27% of homes31% of homes

About 20 Bay Ridge Rd

How much is 20 Bay Ridge Rd, Key Largo, FL worth?

The TopHap Estimate for 20 Bay Ridge Rd, Key Largo, FL is $6,437,501 as of Aug 30, 2026. The likely range is $5,868,812 to $7,006,189. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Bay Ridge Rd, Key Largo, FL last sell?

20 Bay Ridge Rd, Key Largo, FL last sold on May 7, 2026 for $6,520,000, according to the county's recorded deed. TopHap holds 6 recorded sales for this parcel.

How big is 20 Bay Ridge Rd, Key Largo, FL?

20 Bay Ridge Rd, Key Largo, FL has 3 bedrooms, 5 bathrooms, 4,556 square feet of living space and a 0.45-acre lot.

When was 20 Bay Ridge Rd, Key Largo, FL built?

20 Bay Ridge Rd, Key Largo, FL was built in 1973, making it 53 years old. The building has 1 story.

What schools serve 20 Bay Ridge Rd, Key Largo, FL?

20 Bay Ridge Rd, Key Largo, FL is assigned to Key Largo School (elementary), rated A-; Coral Shores High School (high), rated C+. All sit in Monroe County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20 Bay Ridge Rd, Key Largo, FL compare to other homes in Key Largo 33037?

Among the 9,991 homes in Key Largo 33037, it is worth more than 92% of them ($6,437,501 against a typical $1,111,941), its price per square foot is higher than 80% of them ($1413 against a typical $743), it is bigger than 96% of them (4,556 ft² against a typical 1,400 ft²), its lot is bigger than 74% of them (0.45 ac against a typical 0.18 ac) and it is newer than 27% of them (1973 against a typical 1983). Measured against all of Monroe County, it is worth more than 98% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 20 Bay Ridge Rd, Key Largo, FL?

The 2024 property tax bill for 20 Bay Ridge Rd, Key Largo, FL was $19,375. The county assessed it at $4,187,867.

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