Monroe County property record for 11 Bay Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,724 sqft · built 1958 |
| Lot Size | 0.638 acres (27,800 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $2,300,000 (Aug 2025) |
| Tax Bill | $22,947 (2024) |
| Flood Zone | Zone VE (high risk) |
| APN | 00513010-000000 |
| Primary APN | 00513010-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,724 sqft Living Area |
| 1st Floor Area | 1,724 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 27,800 sqft (0.638 acres) |
| Lot Dimensions | 230 ft deep x 70 ft wide |
| Garage Area | 864 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 690 sqft |
| Deck Area | 312 sqft |
| Patio Area | 227 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1632325 |
|---|---|
| Old Parcel Number | 12613900513010000000 |
| Street Address | 11 BAY RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 12 61 39 BOWENS ADDN TO RIVIERA VILLAGE KEY LARGO PB2-107 LOT 1 & PT PVT BEACH LYING W'LY BLK 12 AND BAY BTM W'LY AND ADJ BLK |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 12 |
| Legal Subdivision | BOWENS ADD RIVIERA VILLAGE |
| Legal Block | 12 |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 972700 |
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.
Source: Monroe County records, as of December 5, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 13 BAY RD, KEY LARGO, FL 33037-2924 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 12, 2025 · Amount on Record |
| Deed Sale | Aug 12, 2025 · Amount on Record |
| Deed Document Number | 2511504 |
| Deed Book / Page | 3339 / 2175 |
| Record Updated | Jun 8, 2026 |
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 | $455,222 (+5.99%) | $2,805,554 (+18.44%) Land $2,502,422 Building $303,132 | |
| 2024 | $22,947.00 (+504.98%) | ||
| 2023 | $3,793.00 (+4.72%) Senior Citizen's exemption | $429,508 (+3%) | $2,368,809 (+32.68%) Land $2,079,222 Building $289,587 |
| 2022 | $3,622.00 Senior Citizen's exemption | $416,999 | $1,785,403 Land $1,490,422 Building $294,981 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 12.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 433 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 660 units insured incl. 227 condo units |
| Nearby Flood Claims | 80 (1999–2024) |
| Claims Outside the SFHA | 1 of 80 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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 | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 291 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 · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures