104 E Shore Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 104 E Shore Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,634 sqft · built 1969
Lot Size	0.579 acres (25,200 sqft)
Owner	Company Name on Record
Tax Bill	$19,682 (2025)
Deeds & Mortgages	Jul 2020 Transfer
Flood Zone	Zone AE (high risk)
APN	`00087660-000000`

Property Details

APN / Parcel Number

Primary APN	`00087660-000000`
Alternative APNs	`28613900087660000000` `1096431`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,634 sqft Living Area
1st Floor Area	2,838 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Geodesic/Dome
Roof Material	Metal
Lot Area	25,200 sqft (0.579 acres)
Lot Dimensions	360 ft deep x 70 ft wide
View / Lot	Waterfront

Exterior Amenities

Porch	Slab
Porch Area	1,102 sqft
Deck Area	50 sqft
Patio Area	368 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1096431
Street Address	104 E SHORE DR
City	KEY LARGO
State	FL
Zip	33037-2422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	28 61 39 ISLAND OF KEY LARGO PT LOT 27 OR385-831/32 OR811-1387/88 OR1117-1442/43 OR1231-1997 OR1315-1393/94 OR1315-1395/96 OR1324-673/74 OR1337-24/25 OR1337-26/27 OR3032-1401
Legal Range	39E
Legal Township	61S
Legal Section	28
Legal Subdivision	ISLAND KEY LARGO
Legal Block	4
Legal Lot Number	27
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1001
Census Tract	970500

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 May 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	104 E SHORE DR, KEY LARGO, FL 33037-2422
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2020
Deed Sale	Jul 20, 2020
Prior Sale	Oct 1, 1992 · Amount on Record
Deed Document Number	20202273688
Deed Book / Page	3032 / 1401
Prior Transfer Date	Jun 30, 2020
Prior Transfer Doc	0002273688
Record Updated	Jun 8, 2026

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Jul 20, 2020
Property Address	104 E SHORE DR, KEY LARGO, FL 33037-2422
Document Number	0030321401
Book / Page	003032 / 001401
Instrument Date	Jun 30, 2020
Instrument	2273688
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	104 E SHORE DR KEY LARGO FL 330372422, KEY LARGO, FL 33037-2422

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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	$19,682.00 (+8.32%)	$2,455,323 (+1.59%) Land $1,969,695 Building $485,628	$2,455,323 (+1.59%) Land $1,969,695 Building $485,628
2024	$18,171.00 (+5.49%)
2023	$17,225.00 (+7.52%)	$2,416,897 (-1.35%) Land $1,945,125 Building $471,772	$2,416,897 (-1.35%) Land $1,945,125 Building $471,772
2022	$16,020.00	$2,449,888 Land $1,965,600 Building $484,288	$2,449,888 Land $1,965,600 Building $484,288

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	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 177 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	204 units insured incl. 27 condo units
Nearby Flood Claims	50 (1984–2025)
Claims Outside the SFHA	8 of 50
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims Hurricane Wilma, Oct 2005 · 20 claims Hurricane Georges, Sep 1998 · 9 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	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% 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 222 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

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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