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16 Bowen Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 16 Bowen Dr, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details2 bd · 2.5 ba · 1,742 sqft · built 1977
Lot Size0.321 acres (14,000 sqft)
Owner2 Individual Names on File
Last Sale$436,000 (Jun 2019)
Tax Bill$5,458 (2024)
Deeds & MortgagesJun 2019 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00512920-000000

Property Details

APN / Parcel Number

Primary APN00512920-000000
Alternative APNs
  • 12613900512920000000
  • 1632236

Interior

Bedrooms2 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,742 sqft Living Area
1st Floor Area1,040 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1977
Effective Year BuiltEffective 2005
Exterior MaterialCombination
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area14,000 sqft (0.321 acres)
Lot Dimensions140 ft deep x 50 ft wide
Garage TypeCovered
Garage Area338 sqft
PorchOpen Porch
Porch Area1,495 sqft
Patio Area20 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1632236
Street Address16 BOWEN DR
CityKEY LARGO
StateFL
Zip33037-2909
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRU-1
Legal DescriptionBK 11 LTS 23 & 24 BOWENS ADDN TO RIVIERA VILLAGE KEY LARGO PB2-107 G57-181 OR12-271 OR53-439 OR398-453 OR609-462/ORDER OR684-108 OR695-524 OR1023-294 RE: 51293 COMBINED PER OWNERS REQUEST 7-24-89 OR1718-534/35 OR2409-2233/34 OR2971-1950
Legal Range39E
Legal Township61S
Legal Section12
Legal SubdivisionBOWENS ADD RIVIERA VILLAGE
Legal Block11
Legal Lot Number23,24
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2006
Census Tract972700

Owner

Source: Monroe County records · APN 00512920-000000

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

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

Owner of Record2 Individual Names on File
Mailing Address16 BOWEN DR, KEY LARGO, FL 33037-2909
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 25, 2019 · Amount on Record
Deed SaleJun 25, 2019 · Amount on Record
Prior SaleAug 01, 1987
Deed Document Number20192226123
Deed Book / Page2971 / 1950
Prior Transfer DateApr 24, 2009
Prior Transfer Doc0024092233
Record UpdatedJun 08, 2026

June 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJun 25, 2019
Property Address16 BOWEN DR, KEY LARGO, FL 33037-2909
Document Number0029711950
Book / Page2971 / 1950
Map ReferenceMB 2 PG 107
Instrument DateJun 18, 2019
Instrument2226123
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,052.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address13706 56TH PL N, 13706, WEST PALM BEACH, FL 33411-8358

Transferred To (Grantee/Buyer)

NameVerified Name
Address16 BOWEN DR, KEY LARGO, FL 33037-2909

Mortgage

Document Number0029711952
DateJun 25, 2019
Instrument2971-1952
Lender
NameWELLS FARGO BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe 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.

YearTax BillAssessed ValueAssessed Market Value
2025$690,218 (+31.1%) Land $444,080 Building $246,138$690,218 (+31.1%) Land $444,080 Building $246,138
2024$5,458.00 (+14.54%)
2023$4,765.00 (+7.63%)$526,493 (-1.01%) Land $282,240 Building $244,253$526,493 (-1.01%) Land $282,240 Building $244,253
2022$4,427.00$531,871 Land $282,240 Building $249,631$531,871 Land $282,240 Building $249,631

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 433 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies660 units insured
incl. 227 condo units
Nearby Flood Claims80 (1999–2024)
Claims Outside the SFHA1 of 80
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Ian, Sep 2022 · 11 claims
  • Hurricane Irma, Sep 2017 · 33 claims
  • Hurricane Wilma, Oct 2005 · 13 claims

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.04% annual chance
ExposureDirect
burnable vegetation at the parcel

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 as of August 1, 2026 · Last verified October 2026

Listed AreaWithin 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 as of December 31, 2025 · Last verified October 2026

ProviderMax 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 USA.

Based on FCC filings for 291 locations within half a mile of this property.

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