13 Harbor Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 13 Harbor Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,729 sqft · built 2017
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on Record
Last Sale	$2,025,000 (Oct 2024)
Tax Bill	$16,030 (2024)
Deeds & Mortgages	Apr 2022 Sale Oct 2017 Sale
Flood Zone	Zone AE (high risk)
APN	`00530020-000000`

Property Details

APN / Parcel Number

Primary APN	`00530020-000000`
Alternative APNs	`28613900530020000000` `1649244`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,729 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Other
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Area	130 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	1649244
Old Parcel Number	28613900530020000000
Street Address	13 HARBOR DR
City	KEY LARGO
State	FL
Zip	33037-2563
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 3 LTS 6-7 SUNSET WATERWAYS PB4-31 KEY LARGO OR536-618 OR554-1023 OR555-21 OR820-1021 OR823-2059 OR933-2480/81 OR963-66
Legal Range	39E
Legal Township	61S
Legal Section	28
Legal Subdivision	SUNSET WATERWAYS
Legal Block	3
Legal Lot Number	6-7 7
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1023
Census Tract	970400

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 5, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	13 HARBOR DR, KEY LARGO, FL 33037-2563
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2022	Warranty Deed, Transfer CAPSTONE TITLE PARTNERS, CAPSTONE TITLE PARTNERS LLC
Oct 13, 2017	Warranty Deed, Transfer TROPICS TITLE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2024 · Amount on Record
Deed Sale	Oct 24, 2024 · Amount on Record
Prior Sale	Apr 14, 2022 · Amount on Record
Deed Document Number	2478637
Deed Book / Page	3297 / 1500
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 14, 2022
Property Address	13 HARBOR DR, KEY LARGO, FL 33037-2563
Document Number	0031671401
Book / Page	3167 / 1401
Map Reference	MB 4 PG 31
Instrument Date	Apr 12, 2022
Instrument	2371003
Transaction Type	Transfer
Record Updated	May 5, 2022
Title Company	CAPSTONE TITLE PARTNERS, CAPSTONE TITLE PARTNERS LLC

Transaction

Amount	Amount Recorded
Tax	$15,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16300 SW 137TH AVE # AVE124, 16300, MIAMI, FL 33177-1901

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2517 NE 37TH DR, FORT LAUDERDALE, FL 33308-6344

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 13, 2017
Property Address	13 HARBOR DR, KEY LARGO, FL 33037-2563
Document Number	0028742184
Book / Page	002874 / 002184
Instrument Date	Sep 27, 2017
Instrument	2139718
Transaction Type	Transfer
Record Updated	Nov 14, 2017
Title Company	TROPICS TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$5,740.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	16300 SW 137TH AVE #124 MIAMI FL 331771959, 124, MIAMI, FL 33177-1959

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$1,629,980 (-15.66%)	$1,717,490 (-11.14%) Land $1,012,320 Building $705,170
2024	$16,030.00 (+1.47%)
2023	$15,798.00 (+40.88%)	$1,932,738 (+4.86%) Land $1,147,410 Building $785,328	$1,932,738 (+4.86%) Land $1,147,410 Building $785,328
2022	$11,214.00	$1,843,147 Land $984,960 Building $858,187	$1,843,147 Land $984,960 Building $858,187

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

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 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 Record median of 147 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	151 units insured incl. 4 condo units
Nearby Flood Claims	160 (1979–2022)
Claims Outside the SFHA	3 of 160
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 28 claims Hurricane Wilma, Oct 2005 · 75 claims Hurricane Irene, Oct 1999 · 14 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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.04% 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 380 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: T-Mobile.

Nearby Properties on Harbor Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures