11 Harbor Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 11 Harbor Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,612 sqft · built 1994
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,425,000 (Jul 2024)
Tax Bill	$8,636 (2024)
Deeds & Mortgages	Apr 2023 Transfer Dec 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00530010-000000`

Property Details

APN / Parcel Number

Primary APN	`00530010-000000`
Alternative APNs	`28613900530010000000` `1649236`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,612 sqft Living Area
1st Floor Area	2,612 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
View / Lot	Canal
Garage Type	Covered
Garage Area	1,126 sqft
Porch	Florida Room
Porch Area	1,064 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1649236
Street Address	11 HARBOR DR
City	KEY LARGO
State	FL
Zip	33037-2563
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 3 LT 5 SUNSET WATERWAYS PB4-31 KEY LARGO OR166-263/66 OR536-618 OR542-796 OR554-1023 OR560-269 OR820-1018 OR820-1021 OR933-2480/81 OR963-66 OR1072-2403/04 OR1133-1926/27 OR1133-1928 OR1319-88 OR1319-89 OR2120-741 OR2524-1788/89 OR2781-24 OR3219-06
Legal Range	39E
Legal Township	61S
Legal Section	28
Legal Subdivision	SUNSET WATERWAYS
Legal Block	3
Legal Lot Number	5
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1023
Census Tract	970400

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 December 8, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 836239, MIAMI, FL 33283-6239
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Jun 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2024 · Amount on Record
Deed Sale	Jul 3, 2024 · Amount on Record
Prior Sale	Jul 6, 2011 · Amount on Record
Deed Document Number	20242467356
Deed Book / Page	3283 / 643
Prior Transfer Date	Mar 30, 2023
Prior Transfer Doc	0032190673
Record Updated	Sep 20, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Apr 6, 2023
Property Address	11 HARBOR DR, KEY LARGO, FL 33037-2563
Document Number	0032190673
Book / Page	3219 / 673
Map Reference	MB 4 PG 31
Instrument Date	Mar 30, 2023
Instrument	2413031
Transaction Type	Transfer
Record Updated	Apr 26, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 HARBOR DR, KEY LARGO, FL 33037-2563

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 HARBOR DR, KEY LARGO, FL 33037-2563

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	11 HARBOR DR, KEY LARGO, FL 33037-2563
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 HARBOR DR, KEY LARGO, FL 33037-2563

Mortgage

Document Number	0030661174
Date	Dec 30, 2020
Book Page	3066/1174
Instrument	2297488

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	11 HARBOR DR, KEY LARGO, FL 33037-2563
Document Number	0029710478
Instrument Date	Jun 18, 2019
Transaction Type	Mortgage
Record Updated	Jul 16, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	43300 SW 79TH ST MIAMI FL 33183, MIAMI, FL 33183

Mortgage

Document Number	0029710478
Date	Jun 20, 2019
Book Page	002971/000478
Instrument	2225686

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 19, 2044

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		$1,143,996 (+138.75%) Land $663,480 Building $480,516	$1,143,996 (+15.74%) Land $663,480 Building $480,516
2024	$8,636.00 (+105.77%)
2023	$4,197.00 (+5.85%) Homeowner's exemption	$479,159 (+3%)	$988,447 (+11.06%) Land $649,800 Building $338,647
2022	$3,965.00 Homeowner's exemption	$465,203	$890,046 Land $547,200 Building $342,846

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.

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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 147 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	151 units insured incl. 4 condo units
Nearby Flood Claims	160 (1979–2022)
Claims Outside the SFHA	3 of 160
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 28 claims Hurricane Wilma, Oct 2005 · 75 claims Hurricane Irene, Oct 1999 · 14 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 67% of the US · lower than 92% 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 380 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: T-Mobile.

Nearby Properties on Harbor Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures