105 Harbor Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 105 Harbor Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 625 sqft · built 1955
Lot Size	0.167 acres (7,290 sqft)
Owner	Company Name on File
Last Sale	$269,000 (Apr 2021)
Tax Bill	$3,217 (2024)
Deeds & Mortgages	Apr 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`00521920-000000`

Property Details

APN / Parcel Number

Primary APN	`00521920-000000`
Alternative APNs	`32613900521920000000` `1641154`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	625 sqft Living Area
1st Floor Area	625 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,290 sqft (0.167 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	150 sqft
Deck Area	60 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1641154
Street Address	105 HARBOR DR
City	KEY LARGO
State	FL
Zip	33037-4104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 2 LT 20 HARBOR SHORES PB3-44 KEY LARGO OR106-309 OR184-154 OR481-828 OR505-600 OR625-27 OR735-339 OR735-340 OR761-164 OR797-109 OR823-453 OR1302-350 OR1308-501 OR1828-1100 OR3093-0066
Legal Range	39E
Legal Township	61S
Legal Section	32
Legal Subdivision	HARBOR SHORES
Legal Block	2
Legal Lot Number	20
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2007
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

105 Harbor Dr is owned by a company that bought it in April 2021.

Source: Monroe County records, as of April 14, 2026

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	Company Name on File
Mailing Address	105 HARBOR DR, KEY LARGO, FL 33037-4104
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2021 · Amount on File
Deed Sale	Apr 28, 2021 · Amount on File
Prior Sale	Apr 14, 1994 · Amount on File
Deed Document Number	20212316503
Deed Book / Page	3093 / 66
Transfer Doc	1828001100
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 28, 2021
Property Address	105 HARBOR DR, KEY LARGO, FL 33037-4104
Document Number	0030930066
Book / Page	3093 / 66
Map Reference	MB 3 PG 44
Instrument Date	Apr 28, 2021
Instrument	2316503
Transaction Type	Transfer
Record Updated	Mar 6, 2023

Transaction

Amount	Amount on Record
Tax	$1,883.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130 POND CT, DEBARY, FL 32713-2782

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	158 NW BERKELEY AVE, PORT SAINT LUCIE, FL 34986-3594

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		$374,257 Land $254,057 Building $120,200	$374,257 Land $254,057 Building $120,200
2024	$3,217.00 (+9.83%)
2023	$2,929.00 (+20.63%)	$357,699 (+38.1%) Land $249,409 Building $108,290	$357,699 (+38.1%) Land $249,409 Building $108,290
2022	$2,428.00	$259,019 Land $148,716 Building $110,303	$259,019 Land $148,716 Building $110,303

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

Flood

FEMA maps place 105 Harbor Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 595 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	839 units insured incl. 244 condo units
Nearby Flood Claims	304 (1983–2025)
Claims Outside the SFHA	8 of 304
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 221 claims Hurricane Irene, Oct 1999 · 24 claims Hurricane Georges, Sep 1998 · 24 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 105 Harbor Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.04% 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 266 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

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

Nearby Properties on Harbor Dr

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