103 Anchor Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 103 Anchor Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 2,911 sqft · built 1976
Lot Size	0.508 acres (22,131 sqft)
Owner	2 Individual Names on File
Last Sale	$3,450,000 (Nov 2019)
Tax Bill	$548 (2024)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00572795-000200`

Property Details

APN / Parcel Number

Primary APN	`00572795-000200`
Alternative APNs	`07594100572795000200` `1708976`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,911 sqft Living Area
1st Floor Area	2,911 sqft
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2005
Exterior Material	Other
Construction Type	Concrete
Foundation Type	Pile
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	22,131 sqft (0.508 acres)
Garage Area	540 sqft

Exterior Amenities

Pool Area	470 sqft
Porch	Enclosed Porch
Porch Area	2,648 sqft
Patio Area	1,750 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1708976
Old Parcel Number	07594100572795000200
Street Address	103 ANCHOR DR
City	KEY LARGO
State	FL
Zip	33037-5272
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 2 AND PT CANAL ANCHOR DRIVE SUBDIVISION OCEAN REEF PLAT NO 10 KEY LARGO PB6-118 OR624-879 OR758-2000/01 OR1260-1896/97
Legal Range	41E
Legal Township	59S
Legal Section	07
Legal Subdivision	ANCHOR DR SUB OCEAN REEF
Legal Lot Number	2
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3050
Census Tract	972700

Owner

103 Anchor Dr is owned and occupied by two individuals who bought it in November 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	103 ANCHOR DR, KEY LARGO, FL 33037-5272
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2019 · Amount on File
Deed Sale	Nov 5, 2019 · Amount on File
Prior Sale	Jan 2, 2013
Deed Document Number	2243427
Deed Book / Page	2993 / 0562
Record Updated	Jun 8, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 5, 2019
Property Address	103 ANCHOR DR, KEY LARGO, FL 33037-5272
Document Number	0029930562
Book / Page	002993 / 000562
Instrument Date	Nov 4, 2019
Instrument	2243427
Transaction Type	Transfer
Record Updated	Dec 9, 2019
Title Company	BRIDGETRUST TITLE GROUP, BRIDGETRUST TITLE GRP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,150.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	29 ANCHOR DR KEY LARGO FL 330375231, KEY LARGO, FL 33037-5231

Mortgage

Document Number	29930566
Date	Nov 5, 2019
Book Page	002993/000566
Instrument	2243428

Lender

Name	BRANCH BK&TR
Type	Bank
Address	223 NASH ST W, WILSON, NC 27893-3801

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 4, 2049

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		$5,967,259	$6,620,357 Land $5,830,080 Building $790,277
2024	$548.00 (+19.91%)
2023	$457.00 (-98.21%) Homeowner's exemption	$5,630,181 (+34.9%) Land $4,848,172 Building $782,009	$5,630,181 (+34.9%) Land $4,848,172 Building $782,009
2022	$25,565.00	$4,173,677 Land $3,375,309 Building $798,368	$4,173,677 Land $3,375,309 Building $798,368

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

Flood

FEMA maps place 103 Anchor 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	9.0 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 103 Anchor Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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 103 locations within half a mile, as of December 31, 2025

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