Monroe County property record for 116 Atlantic Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,052 sqft · built 1958 |
| Lot Size | 0.068 acres (2,995 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $81,300 (Dec 1996) |
| Tax Bill | $1,440 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00530560-000000 |
| Primary APN | 00530560-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,052 sqft Living Area |
| 1st Floor Area | 1,052 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Flat |
| Roof Material | Metal |
| Lot Area | 2,995 sqft (0.068 acres) |
| Lot Dimensions | 60 ft deep x 50 ft wide |
| Patio Area | 127 sqft |
| Fence | Fence |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Account Number | 1649775 |
|---|---|
| Old Parcel Number | 28613900530560000000 |
| Street Address | 116 ATLANTIC DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 5 LT 7 HOLIDAY HOMESITES PB2-168 KEY LARGO OR37-436 OR508-398 OR1277-2193 OR1436-1871 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 28 |
| Legal Subdivision | HOLIDAY HOMESITES |
| Legal Block | 5 |
| Legal Lot Number | 7 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 970500 |
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.
116 Atlantic Dr is owned and occupied by two individuals who bought it in December 1996.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 116 ATLANTIC DR, KEY LARGO, FL 33037-4310 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 31, 1996 · Amount on File |
| Deed Sale | Dec 31, 1996 · Amount on File |
| Prior Sale | Oct 22, 1993 · Amount on File |
| Deed Document Number | 0143601871 |
| Deed Book / Page | 01436 / 01871 |
| 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 | $119,471 | $349,503 Land $171,284 Building $178,219 | |
| 2024 | $1,440.00 (+8.03%) | ||
| 2023 | $1,333.00 (+3.49%) Homeowner's exemption | $112,723 (+3%) | $362,668 (+14.92%) Land $199,168 Building $163,500 |
| 2022 | $1,288.00 Homeowner's exemption | $109,440 | $315,587 Land $146,388 Building $169,199 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 116 Atlantic Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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 risk around 116 Atlantic Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 317 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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