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115 Harbor Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 115 Harbor Dr, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,222 sqft · built 1955
Lot Size0.169 acres (7,380 sqft)
Owner2 Individual Names on File
Last Sale$492,000 (Mar 2025)
Tax Bill$4,055 (2024)
Deeds & MortgagesNov 2022 Transfer
Jun 2018 Loan Modification
Flood ZoneZone X (moderate risk)
APN00521910-000000

Property Details

APN / Parcel Number

Primary APN00521910-000000
Alternative APNs
  • 32613900521910000000
  • 1641146

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,222 sqft Living Area
1st Floor Area1,222 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1955
Effective Year BuiltEffective 2005
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area7,380 sqft (0.169 acres)
Lot Dimensions123 ft deep x 60 ft wide

Exterior Amenities

PorchFlorida Room
Porch Area760 sqft
Deck Area20 sqft
Patio Area40 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1641146
Street Address115 HARBOR DR
CityKEY LARGO
StateFL
Zip33037-4104
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 2 LT 19 HARBOR SHORES PB3-44 KEY LARGO OR216-460 OR453-637 OR596-14 OR596-13 OR779-1514 OR1099-642 OR1133-1133/34 OR1133-1135 OR1133-1136P/R OR1579-1897C/T OR1586-826/27 OR2225-2278 OR2689-1797 OR3202-0725
Legal Range39E
Legal Township61S
Legal Section32
Legal SubdivisionHARBOR SHORES
Legal Block2
Legal Lot Number19
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2007
Census Tract970500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed AreaWithin 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

115 Harbor Dr is owned and occupied by two individuals who bought it in March 2025.

Source: Monroe County records, as of March 6, 2026

Owner of Record2 Individual Names on File
Mailing Address115 HARBOR DR, KEY LARGO, FL 33037-4104
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Nov 22, 2022Intrafamily Transfer, Transfer
Jun 19, 2018Loan Modification, Mortgage · Conventional Mortgage
PENNYMAC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 3, 2025 · Amount on File
Deed SaleMar 3, 2025 · Amount on File
Prior SaleJun 16, 2014 · Amount on File
Deed Document Number20252491807
Deed Book / Page3314 / 456
Prior Transfer DateOct 23, 2022
Prior Transfer Doc0032020725
Record UpdatedSep 20, 2026

November 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateNov 22, 2022
Property Address115 HARBOR DR, KEY LARGO, FL 33037-4104
Document Number0032020725
Book / Page3202 / 725
Map ReferenceMB 3 PG 44
Instrument DateOct 13, 2022
Instrument2398290
Transaction TypeTransfer
Record UpdatedDec 8, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address115 HARBOR DR, 115, KEY LARGO, FL 33037-4104

Transferred To (Grantee/Buyer)

NameVerified Name
Address115 HARBOR DR, KEY LARGO, FL 33037-4104

June 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE FL
Property Address115 HARBOR DR, KEY LARGO, FL 33037-4104
Document Number0029271736
Instrument DateJun 19, 2018
Transaction TypeMortgage
Record UpdatedOct 22, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address115 HARBOR DR KEY LARGO FL 330374104, KEY LARGO, FL 33037-4104

Mortgage

Document Number0029271736
DateSep 19, 2018
Book Page002927/001736
Instrument2187140
Lender
NamePENNYMAC
AddressMOORPARK, CA 93021
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueSep 18, 2048
Interest
Rate TypeFixed Rate
Rate3.75%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$483,177 Land $302,580 Building $180,597$483,177 Land $302,580 Building $180,597
2024$4,055.00 (+8.1%)
2023$3,751.00 (+17.48%)$469,487 (+31.56%) Land $297,045 Building $172,442$469,487 (+31.56%) Land $297,045 Building $172,442
2022$3,193.00$356,859 Land $177,120 Building $179,739$356,859 Land $177,120 Building $179,739

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

Flood

FEMA maps place 115 Harbor Dr in Zone X, an area of moderate flood risk, within 100 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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 595 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies839 units insured
incl. 244 condo units
Nearby Flood Claims304 (1983–2025)
Claims Outside the SFHA8 of 304
Most Recent ClaimOct 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 115 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 RiskLow
lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood0.04% annual chance
ExposureNone
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

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

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

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