130 Ocean Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 130 Ocean Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,117 sqft · built 1954
Lot Size	0.115 acres (5,000 sqft)
Owner	Company Name on File
Last Sale	$164,000 (Apr 2013)
Tax Bill	$3,551 (2025)
Deeds & Mortgages	Oct 2022 Transfer
Flood Zone	Zone X (moderate risk)
APN	`00531330-000000`

Property Details

APN / Parcel Number

Primary APN	`00531330-000000`
Alternative APNs	`28613900531330000000` `1650528`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,117 sqft Living Area
1st Floor Area	1,117 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Flat
Roof Material	Composition Shingle
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	50 ft deep x 50 ft wide
Porch	Slab
Porch Area	303 sqft
Patio Area	503 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit

Location & Zoning

Account Number	1650528
Street Address	130 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	BK 9 LT 10 AND 11 HOLIDAY HOMESITES PB2-168 KEY LARGO OR463-659 OR793-1233 OR923-1839 OR934-825 OR1244-2069 OR1447-1450 OR2526-580/81 OR2566-2037 OR2586-2376 OR2623-1035 OR3198-2080 D/C OR3198-2081
Legal Range	39E
Legal Township	61S
Legal Section	28
Legal Subdivision	HOLIDAY HOMESITES
Legal Block	9
Legal Lot Number	10,11
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2033
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

130 Ocean Dr is owned by a company that acquired it in October 2022 and is owner-occupied.

Source: Monroe County records, as of May 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	130 OCEAN DR, KEY LARGO, FL 33037-4315
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2013 · Amount on File
Deed Sale	Apr 16, 2013 · Amount on File
Prior Sale	Apr 26, 2012 · Amount on File
Deed Document Number	20131928771
Deed Book / Page	2623 / 1035
Last Transfer Date	Oct 11, 2022
Transfer Doc	0031982081
Record Updated	Sep 20, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Oct 24, 2022
Property Address	130 OCEAN DR, KEY LARGO, FL 33037-4315
Document Number	0031982081
Book / Page	3198 / 2081
Map Reference	MB 2 PG 168
Instrument Date	Oct 11, 2022
Instrument	2395440
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130 OCEAN DR, 130, KEY LARGO, FL 33037-4315

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	130 OCEAN DR, KEY LARGO, FL 33037-4315

Tax Assessment & Valuation

The 2025 property tax bill for 130 Ocean Dr was $3,551 with exemptions applied, down 3.9% from the year before.

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	$3,551.00 (-3.87%) Homeowner's exemption Widower's exemption	$379,633 Land $215,000 Building $164,633	$379,633 Land $215,000 Building $164,633
2024	$3,694.00 (+6.89%)
2023	$3,456.00 (+13.16%)	$403,483 (+18.83%) Land $250,000 Building $153,483	$403,483 (+18.83%) Land $250,000 Building $153,483
2022	$3,054.00	$339,560 Land $183,750 Building $155,810	$339,560 Land $183,750 Building $155,810

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

Flood

FEMA maps place 130 Ocean Dr in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 130 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