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12 Ocean Reef Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 12 Ocean Reef Dr, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,678 sqft · built 1978
Lot Size0.43 acres (18,750 sqft)
OwnerCompany Name on File
Last Sale$5,053,500 (Mar 2024)
Tax Bill$16,607 (2024)
Deeds & MortgagesMar 2024 Sale
Flood ZoneZone AE (high risk)
APN00570740-000000

Property Details

APN / Parcel Number

Primary APN00570740-000000
Alternative APNs
  • 07594000570740000000
  • 1704008

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,678 sqft Living Area
1st Floor Area1,678 sqft
Interior WallsPlaster

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 2022
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypePile
Roof TypeCathedral/Clerestory
Roof MaterialTile
Lot Area18,750 sqft (0.43 acres)
Lot Dimensions125 ft deep x 150 ft wide
Garage Area224 sqft

Exterior Amenities

Pool Area450 sqft
PorchEnclosed Porch
Porch Area1,888 sqft
Patio Area1,140 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1704008
Old Parcel Number07594000570740000000
Street Address12 OCEAN REEF DR
CityKEY LARGO
StateFL
Zip33037-3783
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 2 LT 7 AND ELY 1/2 LT 8 OCEAN REEF PLAT 3 PB4-91 KEY LARGO OR431-709/10 OR788-1047 OR906-1826 OR910-36/37 OR1024-29AFF
Legal Range40E
Legal Township59S
Legal Section07
Legal SubdivisionOCEAN REEF NO 3
Legal Block2
Legal Lot Number7-8
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group3
Census Block3091
Census Tract972700

Owner

12 Ocean Reef Dr is owned by a company that bought it in March 2024.

Source: Monroe County records, as of December 5, 2025

Owner of RecordCompany Name on File
Mailing Address4360 BROWNSBORO RD STE 101, 101, LOUISVILLE, KY 40207-1642
Owner TypeCompany

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 NamesName on Deed
Last SaleMar 11, 2024 · Amount on File
Deed SaleMar 11, 2024 · Amount on File
Prior SaleJul 15, 2014 · Amount on File
Deed Document Number2454012
Deed Book / Page3266 / 333
Record UpdatedJun 8, 2026

March 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMar 11, 2024
Property Address12 OCEAN REEF DR, KEY LARGO, FL 33037-3783
Document Number0032660333
Book / Page3266 / 333
Map ReferenceMB 4 PG 91
Instrument DateMar 1, 2024
Instrument2454012
Transaction TypeTransfer
Record UpdatedApr 17, 2024
Title CompanyREECH TITLE COMPANY LLC, REEF TITLE COMPANY LLC

Transaction

AmountAmount on Record
Tax$35,374.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address201 NE 1ST AVE, DELRAY BEACH, FL 33444-3714

Transferred To (Grantee/Buyer)

NameVerified Name
Address4360 BROWNSBORO RD STE 101, 101, LOUISVILLE, KY 40207-1642

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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$4,072,608 Land $3,281,250 Building $791,358$4,072,608 Land $3,281,250 Building $791,358
2024$16,607.00 (+14.82%)
2023$14,463.00 (+24.49%)$2,996,556 (+35.42%) Land $2,662,500 Building $334,056$2,996,556 (+35.42%) Land $2,662,500 Building $334,056
2022$11,618.00$2,212,868 Land $1,893,750 Building $319,118$2,212,868 Land $1,893,750 Building $319,118

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 12 Ocean Reef 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 838 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies1,585 units insured
incl. 747 condo units
Nearby Flood Claims78 (2005–2023)
Claims Outside the SFHA1 of 78
Most Recent ClaimNov 2023 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 73 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 12 Ocean Reef Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood0.03% 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 175 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Fiber		2,000 / 2,000

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

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