120 E Shore Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 120 E Shore Dr, Key Largo, FL 33037 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,217 sqft · built 1966
Lot Size	0.499 acres (21,750 sqft)
Owner	Company Name on File
Last Sale	$1,495,000 (Jul 2019)
Tax Bill	$16,510 (2024)
Deeds & Mortgages	Jul 2019 Sale Oct 2017 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`00522940-000000`

Property Details

APN / Parcel Number

Primary APN	`00522940-000000`
Alternative APNs	`28613900522940000000` `1642215`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,217 sqft Living Area
Gross Area	2,919 sqft
1st Floor Area	2,217 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Geodesic/Dome
Roof Material	Metal
Lot Area	21,750 sqft (0.499 acres)
Lot Dimensions	290 ft deep x 75 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	702 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	528 sqft
Patio Area	160 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1642215
Street Address	120 E SHORE DR
City	KEY LARGO
State	FL
Zip	33037-2422
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 4 LT 13 AND ADJ BAY BTM BUTTONWOOD SHORES PB3-3 KEY LARGO OR85-442 OR234-472(II DEED 22926) OR608-418/19 OR1219-1475 OR1778-948 OR1778-446/47 OR1792-900M/T OR2582-2426D/C OR2876-2155/57 OR2973-1209
Legal Range	39E
Legal Township	61S
Legal Section	28
Legal Subdivision	BUTTONWOODS SHORES
Legal Block	4
Legal Lot Number	13
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1001
Census Tract	970500

Owner

Source: Monroe County records · APN 00522940-000000

Assessment roll updated December 8, 2025 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	PO BOX 628, TAVERNIER, FL 33070-0628
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jul 03, 2019	Warranty Deed, Transfer BAY2OCEAN TITLE SERVICES, BAY2OCEAN TITLE SVCS
Oct 27, 2017	Warranty Deed, Transfer · ARM CENTENNIAL BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 03, 2019 · Amount on Record
Deed Sale	Jul 03, 2019 · Amount on Record
Prior Sale	Oct 27, 2017 · Amount on Record
Deed Document Number	20192227423
Deed Book / Page	2973 / 1209
Record Updated	Jun 08, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 03, 2019
Property Address	120 E SHORE DR, KEY LARGO, FL 33037-2422
Document Number	0029731209
Book / Page	002973 / 001209
Instrument Date	Jul 02, 2019
Instrument	2227423
Transaction Type	Transfer
Record Updated	Jul 19, 2019
Title Company	BAY2OCEAN TITLE SERVICES, BAY2OCEAN TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$10,465.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 628 TAVERNIER FL 330700628, TAVERNIER, FL 33070-0628

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 27, 2017
Property Address	120 E SHORE DR, KEY LARGO, FL 33037-2422
Document Number	0028762155
Book / Page	2876 / 2155
Map Reference	MB3 PG3
Instrument Date	Oct 27, 2017
Instrument	2141433
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$8,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 371595, KEY LARGO, FL 33037-1595

Mortgage

Document Number	0002141434
Date	Oct 27, 2017
Instrument	2141434

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Nov 01, 2022
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$2,291,375 (+2.1%) Land $1,830,833 Building $460,542	$2,291,375 (+2.1%) Land $1,830,833 Building $460,542
2024	$16,510.00 (+5.54%)
2023	$15,643.00 (+8.54%)	$2,244,340 (+1.28%) Land $1,807,996 Building $436,344	$2,244,340 (+1.28%) Land $1,807,996 Building $436,344
2022	$14,412.00	$2,216,080 Land $1,827,027 Building $389,053	$2,216,080 Land $1,827,027 Building $389,053

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879705001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone VE coastal, wave action
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	14.0 ft
Coastal	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 177 individual NFIP policies nearby
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	204 units insured 27 under condo master policies
Nearby Flood Claims	50 (1984–2025)
Claims Outside the SFHA	8 of 50
Most Recent Claim	Jun 2025, rainfall accumulation
Claims By Storm	Hurricane Irma, Sep 2017 · 8 claims Hurricane Wilma, Oct 2005 · 20 claims Hurricane Georges, Sep 1998 · 9 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 222 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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