Monroe County property record for 14 Bowen Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,800 sqft · built 1992 |
| Lot Size | 0.161 acres (7,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (Apr 2010) |
| Tax Bill | $2,598 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00512940-000000 |
| Primary APN | 00512940-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,800 sqft Living Area |
| 1st Floor Area | 1,800 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,000 sqft (0.161 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Pool Area | 336 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 330 sqft |
| Patio Area | 61 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1632252 |
|---|---|
| Street Address | 14 BOWEN DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2909 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RU-1 |
| Legal Description | BK 11 LT 25 BOWENS ADDN TO RIVIERA VILLAGE-KEY LARGO-PB2-107 G57-181 OR12-271 OR53-445 OR881-580 OR888-1280D/C OR999-890/92 OR1177-1818/19 OR1216-1845/46AFF OR1216-1846 OR2151-54 OR2179-1742/43 OR2324-1055 OR2456-2370/73C/T OR2463-1488/90R/S |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 12 |
| Legal Subdivision | BOWENS ADD RIVIERA VILLAGE |
| Legal Block | 11 |
| Legal Lot Number | 25 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 972700 |
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.
14 Bowen Dr is owned and occupied by two individuals who bought it in April 2010.
Source: Monroe County records, as of March 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 14 BOWEN DR, KEY LARGO, FL 33037-2909 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2010 · Amount on File |
| Deed Sale | Apr 30, 2010 · Amount on File |
| Prior Sale | Mar 16, 2010 |
| Deed Document Number | 20101787470 |
| Deed Book / Page | 2463 / 1488 |
| Prior Transfer Date | Jun 20, 2005 |
| Prior Transfer Doc | 0021791742 |
| Record Updated | Sep 20, 2026 |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $272,635 | $545,204 Land $313,040 Building $232,164 | |
| 2024 | $2,598.00 (+5.4%) | ||
| 2023 | $2,465.00 (+5.07%) Homeowner's exemption | $257,235 (+3%) | $460,884 (-0.16%) Land $241,080 Building $219,804 |
| 2022 | $2,346.00 Homeowner's exemption | $249,743 | $461,600 Land $241,080 Building $220,520 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 14 Bowen 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 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 433 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 660 units insured incl. 227 condo units |
| Nearby Flood Claims | 80 (1999–2024) |
| Claims Outside the SFHA | 1 of 80 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 risk around 14 Bowen Dr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 291 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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