116 Oleander Cir, Key Largo, FL 33037 Property Records

Monroe County property record for 116 Oleander Cir, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,878 sqft · built 1987
Lot Size	0.183 acres (7,975 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,465,000 (Aug 2022)
Tax Bill	$10,476 (2024)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`00503700-000000`

Property Details

APN / Parcel Number

Primary APN	`00503700-000000`
Alternative APNs	`33613900503700000000` `1621587`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,878 sqft Living Area
Gross Area	2,688 sqft
1st Floor Area	1,200 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2013
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,975 sqft (0.183 acres)
Garage Type	Attached
Garage Area	810 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	993 sqft
Deck Area	694 sqft
Patio Area	694 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1621587
Street Address	116 OLEANDER CIR
City	KEY LARGO
State	FL
Zip	33037-4217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 15 LT 1 KEY LARGO BEACH ADDITION KEY LARGO PB4-22 OR460-757 OR804-658 OR804-2101C OR984-1182/83 OR2586-1896/900WILL OR2615-794/95ORD OR2618-2298 OR2618-2299 OR2618-2300 OR2618-2301 OR2634-2403/07 OR3188-2061
Legal Range	39E
Legal Township	61S
Legal Section	33
Legal Subdivision	KEY LARGO BEACH ADD
Legal Block	15
Legal Lot Number	1
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2015
Census Tract	970500

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	116 OLEANDER CIR, KEY LARGO, FL 33037-4217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2022 · Amount on Record
Deed Sale	Aug 10, 2022 · Amount on Record
Prior Sale	Jun 20, 2013 · Amount on Record
Deed Document Number	20222387271
Deed Book / Page	3188 / 2061
Prior Transfer Date	Feb 26, 2013
Prior Transfer Doc	0026182298
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 10, 2022
Property Address	116 OLEANDER CIR, KEY LARGO, FL 33037-4217
Document Number	0031882061
Book / Page	3188 / 2061
Map Reference	MB 4 PG 22
Instrument Date	Aug 10, 2022
Instrument	2387271
Transaction Type	Transfer
Record Updated	Sep 5, 2022
Title Company	COASTAL TITLE AND CLOSING SERVICES I, COASTAL TTL & CLOSING SVCS I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,255.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5212 SHEAS CV, 5212, LADY LAKE, FL 32159-2831

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 OLEANDER CIR, KEY LARGO, FL 33037-4217
Investor	Possibly a Property Investor

Mortgage

Document Number	0031882063
Date	Aug 10, 2022
Instrument	3188/2063

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

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		$1,168,063 (-7.02%) Land $773,830 Building $394,233	$1,168,063 (-7.02%) Land $773,830 Building $394,233
2024	$10,476.00 (-2.41%)
2023	$10,735.00 (+156.08%)	$1,256,251 (+156.98%) Land $926,310 Building $329,941	$1,256,251 (+67.45%) Land $926,310 Building $329,941
2022	$4,192.00 Homeowner's exemption	$488,860	$750,222 Land $436,213 Building $314,009

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 VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 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	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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 425 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