122 Lowe St, Tavernier, FL 33070 Property Records

Monroe County property record for 122 Lowe St, Tavernier, FL 33070

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,300 sqft · built 1948
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Jan 2017)
Tax Bill	$3,547 (2024)
Deeds & Mortgages	Jan 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00566160-000000`

Property Details

APN / Parcel Number

Primary APN	`00566160-000000`
Alternative APNs	`34623800566160000000` `1693260`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1948
Effective Year Built	Effective 2010
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Covered
Garage Area	273 sqft
Porch	Florida Room
Porch Area	210 sqft
Patio Area	1,115 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1693260
Street Address	122 LOWE ST
City	TAVERNIER
State	FL
Zip	33070-2520
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU-1
Legal Description	AMD PLAT OF TAVERNIER BCH KEY LARGO PB1-201 PT SQR 1(PT LOT 6 AND 31) OR409-121 OR431-294 OR437-695-696 OR665-661 OR672-495 OR661-855/860 OR1248-418/19 OR1764-2032/33 OR2439-14/15 OR2835-2396/97
Legal Range	38E
Legal Township	62S
Legal Section	34
Legal Subdivision	TAVERNIER BEACH AMD
Legal Lot Number	6,31
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2021
Census Tract	970700

Owner

122 Lowe St is owned and occupied by two individuals who bought it in January 2017.

Source: Monroe County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	122 LOWE ST, TAVERNIER, FL 33070-2520
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2017 · Amount on File
Deed Sale	Jan 23, 2017 · Amount on File
Prior Sale	Jun 17, 2009
Deed Document Number	20172107772
Deed Book / Page	2835 / 2396
Prior Transfer Date	Jan 9, 2017
Prior Transfer Doc	0028352396
Record Updated	Oct 29, 2026

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 23, 2017
Property Address	122 LOWE ST, TAVERNIER, FL 33070-2520
Document Number	0028352396
Book / Page	002835 / 002396
Instrument Date	Jan 9, 2017
Instrument	2107772
Transaction Type	Transfer
Record Updated	Feb 28, 2017
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,940.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	122 LOWE ST KEY LARGO FL 33037, KEY LARGO, FL 33037

Mortgage

Document Number	28352398
Date	Jan 23, 2017
Book Page	002835/002398
Instrument	2107773

Lender

Name	ANHEUSER BUSCH EMPS CU
Type	Credit Union
Address	SAINT LOUIS, MO 63118

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 22, 2047

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		$371,506	$568,380 Land $360,113 Building $208,267
2024	$3,547.00 (+4.79%)
2023	$3,385.00 (+2.45%) Homeowner's exemption	$350,521 (+3%)	$526,085 (-0.41%) Land $334,650 Building $191,435
2022	$3,304.00 Homeowner's exemption	$340,312	$528,225 Land $334,650 Building $193,575

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

Flood

FEMA maps place 122 Lowe St 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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 375 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	615 units insured incl. 240 condo units
Nearby Flood Claims	168 (1987–2025)
Most Recent Claim	Aug 2025
Claims by Event	Hurricane Irma, Sep 2017 · 104 claims Hurricane Irene, Oct 1999 · 15 claims Hurricane Georges, Sep 1998 · 21 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 122 Lowe St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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 228 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless · DSL	100 / 20
T-Mobile Fixed Wireless	100 / 20