118 Ocean Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 118 Ocean Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,056 sqft · built 1981
Lot Size	0.144 acres (6,250 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (May 2007)
Tax Bill	$3,725 (2024)
Deeds & Mortgages	Oct 2022 Transfer
Flood Zone	Zone AE (high risk)
APN	`00530920-000000`

Property Details

APN / Parcel Number

Primary APN	`00530920-000000`
Alternative APNs	`28613900530920000000` `1650129`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2005
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,250 sqft (0.144 acres)
Lot Dimensions	50 ft deep x 125 ft wide
Garage Type	Covered
Garage Area	1,236 sqft
Porch	Florida Room
Porch Area	580 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1650129
Street Address	118 OCEAN DR
City	KEY LARGO
State	FL
Zip	33037-4315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	HOLIDAY HOMESITES PB2-168 KEY LARGO LOT 12 & 13 BK 7 RE:53093 HAS BEEN COMBINED WITH THIS PARCEL FOR 1981 PER OWNER REQUEST SF 4-7-81 G62-158/59 OR787-554 OR825-1535 OR825-1537 OR1372-2051R/S OR1672-988 OR2292-2068 OR3199-0799
Legal Range	39E
Legal Township	61S
Legal Section	28
Legal Subdivision	HOLIDAY HOMESITES
Legal Block	7
Legal Lot Number	12,13
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2035
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

118 Ocean Dr is owned by an individual who acquired it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1651 SW 11TH TER, MIAMI, FL 33135-5317
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2007 · Amount on File
Deed Sale	May 8, 2007 · Amount on File
Prior Sale	Jan 24, 2001 · Amount on File
Deed Document Number	20071641770
Deed Book / Page	2292 / 2068
Last Transfer Date	Oct 26, 2022
Transfer Doc	0031990799
Record Updated	Sep 20, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Oct 27, 2022
Property Address	118 OCEAN DR, KEY LARGO, FL 33037-4315
Document Number	0031990799
Book / Page	3199 / 799
Map Reference	MB 2 PG 168
Instrument Date	Oct 26, 2022
Instrument	2395808
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1651 SW 11TH TER, MIAMI, FL 33135-5317

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 OCEAN DR, KEY LARGO, FL 33037-4315

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		$375,697 Land $233,813 Building $141,884	$375,697 Land $233,813 Building $141,884
2024	$3,725.00 (+6.83%)
2023	$3,487.00 (+13.69%)	$403,812 (+20.46%) Land $271,875 Building $131,937	$403,812 (+20.46%) Land $271,875 Building $131,937
2022	$3,067.00	$335,237 Land $199,828 Building $135,409	$335,237 Land $199,828 Building $135,409

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

Flood

FEMA maps place 118 Ocean 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	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 118 Ocean 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.

Internet Providers

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