10 Ocean Reef Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 10 Ocean Reef Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,026 sqft · built 1987
Lot Size	0.47 acres (20,489 sqft)
Owner	Individual Name on File
Last Sale	$1,595,000 (Oct 2020)
Tax Bill	$18,322 (2024)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00570750-000000`

Property Details

APN / Parcel Number

Primary APN	`00570750-000000`
Alternative APNs	`07594000570750000000` `1704016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,026 sqft Living Area
1st Floor Area	2,026 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2005
Exterior Material	Other
Construction Type	Concrete
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	20,489 sqft (0.47 acres)
Lot Dimensions	125 ft deep x 165 ft wide
Garage Area	2,776 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Enclosed Porch
Porch Area	2,231 sqft
Deck Area	150 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1704016
Old Parcel Number	07594000570750000000
Street Address	10 OCEAN REEF DR
City	KEY LARGO
State	FL
Zip	33037-3747
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OCEAN REEF PLAT #3 PB4-91 KEY LARGO LOT 9 & W'LY 50' LOT 8 BK 2 OR534-524 OR846-751/52 OR1041-1432 OR1187-1932/34
Legal Range	40E
Legal Township	59S
Legal Section	07
Legal Subdivision	OCEAN REEF NO 3
Legal Block	2
Legal Lot Number	8-9
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3091
Census Tract	972700

Owner

10 Ocean Reef Dr is owned by an individual who bought it in October 2020.

Source: Monroe County records, as of December 5, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1461 GREENHILL RD, WEST CHESTER, PA 19380-5845
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2020 · Amount on File
Deed Sale	Oct 13, 2020 · Amount on File
Prior Sale	Dec 31, 2001 · Amount on File
Deed Document Number	2285509
Deed Book / Page	3049 / 1483
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 13, 2020
Property Address	10 OCEAN REEF DR, KEY LARGO, FL 33037-3747
Document Number	0030491483
Book / Page	3049 / 1483
Map Reference	MB 4 PG 91
Instrument Date	Oct 7, 2020
Instrument	2285509
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	REEF TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,165.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	81 ISLA BAHIA DR, 81, FORT LAUDERDALE, FL 33316-2329

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 OCEAN REEF DR, KEY LARGO, FL 33037-3747

Mortgage

Document Number	0030491486
Date	Oct 13, 2020
Instrument	3049/1486

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.9%
Type Change Date	Jan 11, 2030
Change Frequency	Annually
Min Rate At Change	2.95%
Max Rate At Change	10.9%
Index	1-Year CMT
Max Rate	10.9%

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		$4,040,779 Land $3,392,813 Building $647,966	$4,040,779 Land $3,392,813 Building $647,966
2024	$18,322.00 (+10.63%)
2023	$16,561.00 (+24.91%)	$3,366,461 (+36.5%) Land $2,753,025 Building $613,436	$3,366,461 (+36.5%) Land $2,753,025 Building $613,436
2022	$13,258.00	$2,466,299 Land $1,958,138 Building $508,161	$2,466,299 Land $1,958,138 Building $508,161

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

Flood

FEMA maps place 10 Ocean Reef Dr 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	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 838 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	1,585 units insured incl. 747 condo units
Nearby Flood Claims	78 (2005–2023)
Claims Outside the SFHA	1 of 78
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 73 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

Wildfire risk around 10 Ocean Reef Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000

May also be available: AT&T, T-Mobile.

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