Monroe County property record for 108 Long Ben Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,380 sqft · built 1955 |
| Lot Size | 0.124 acres (5,440 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,000,100 (Oct 2025) |
| Tax Bill | $7,117 (2024) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00495090-000000 |
| Primary APN | 00495090-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,380 sqft Living Area |
| 1st Floor Area | 2,380 sqft |
| Attic | Attic |
| Attic Area | 428 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Other |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,440 sqft (0.124 acres) |
| Garage Area | 312 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 464 sqft |
| Patio Area | 812 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1611263 |
|---|---|
| Old Parcel Number | 32613900495090000000 |
| Street Address | 108 LONG BEN DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2327 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 16 LT 3 FIRST ADDN TO PIRATES COVE PB3-87 KEY LARGO OR246-466/467 OR605-735 OR612-55/56 OR680-384 OR1104-2062/2063 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 32 |
| Legal Subdivision | PIRATES COVE 1ST ADD |
| Legal Block | 16 |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2053 |
| Census Tract | 970500 |
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 Record |
|---|---|
| Mailing Address | 108 LONG BEN DR, KEY LARGO, FL 33037-2327 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 6, 2025 | Warranty Deed, Transfer · Conventional Mortgage 1ST FINANCIAL INC |
| Jul 8, 2021 | Warranty Deed, Transfer · Conventional Mortgage MY MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 6, 2025 · Amount on Record |
| Deed Sale | Oct 6, 2025 · Amount on Record |
| Prior Sale | Jul 8, 2021 · Amount on Record |
| Deed Document Number | 2517662 |
| Deed Book / Page | 3347 / 2361 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Oct 6, 2025 |
| Property Address | 108 LONG BEN DR, KEY LARGO, FL 33037-2327 |
| Document Number | 0033472361 |
| Book / Page | 3347 / 2361 |
| Map Reference | MB 3 PG 87 |
| Instrument Date | Sep 26, 2025 |
| Instrument | 2517662 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2025 |
| Title Company | SECURITY TITLE ABL, SECURITY TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,000.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11840 NW 23RD ST, PEMBROKE PINES, FL 33026-1413 |
| Name | Verified Name |
|---|---|
| Address | 108 LONG BEN DR, KEY LARGO, FL 33037-2327 |
| Document Number | 0033472363 |
|---|---|
| Date | Oct 6, 2025 |
| Instrument | 3347/2363 |
| Name | 1ST FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 8, 2021 |
| Property Address | 108 LONG BEN DR, KEY LARGO, FL 33037-2327 |
| Document Number | 0031102495 |
| Book / Page | 3110 / 2495 |
| Map Reference | MB 3 PG 87 |
| Instrument Date | Jul 8, 2021 |
| Instrument | 2329079 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2021 |
| Title Company | PROFESSIONAL CLOSINGS T&E |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,250.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 106 ANN BONNY DR, 106, KEY LARGO, FL 33037-2360 |
| Name | Verified Name |
|---|---|
| Address | 108 LONG BEN DR, KEY LARGO, FL 33037-2327 |
| Document Number | 0031110001 |
|---|---|
| Date | Jul 8, 2021 |
| Book Page | 3111/1 |
| Instrument | 2329080 |
| Name | MY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CROFTON, MD 21114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
Source: Monroe County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $877,845 (+5.35%) Land $562,020 Building $315,825 | $877,845 (+5.35%) Land $562,020 Building $315,825 | |
| 2024 | $7,117.00 (-6.27%) | $833,260 (-11.57%) Land $516,800 Building $316,460 | $833,260 (-11.57%) Land $516,800 Building $316,460 |
| 2023 | $7,593.00 (+18.73%) | $942,250 (+21.2%) Land $640,832 Building $301,418 | $942,250 (+21.2%) Land $640,832 Building $301,418 |
| 2022 | $6,395.00 | $777,451 Land $490,960 Building $286,491 | $777,451 Land $490,960 Building $286,491 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 225 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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