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165 Harbor Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 165 Harbor Dr, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,324 sqft · built 1954
Lot Size0.169 acres (7,380 sqft)
Owner2 Individual Names on File
Last Sale$22,000 (Feb 1973)
Tax Bill$3,029 (2024)
Deeds & MortgagesOct 2021 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00521860-000000

Property Details

APN / Parcel Number

Primary APN00521860-000000
Alternative APNs
  • 32613900521860000000
  • 1641090

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,324 sqft Living Area
1st Floor Area1,324 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1954
Effective Year BuiltEffective 2010
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area7,380 sqft (0.169 acres)
Lot Dimensions123 ft deep x 60 ft wide

Exterior Amenities

PorchSlab
Porch Area519 sqft
Deck Area609 sqft
Patio Area321 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Account Number1641090
Street Address165 HARBOR DR
CityKEY LARGO
StateFL
Zip33037-4104
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 2 LT 14 HARBOR SHORES PB3-44 KEY LARGO OR22-82 OR505-581 OR1315-839D/C OR1317-1183/93 OR1797-2293/94 OR2551-1885/86 OR3129-1047
Legal Range39E
Legal Township61S
Legal Section32
Legal SubdivisionHARBOR SHORES
Legal Block2
Legal Lot Number14
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2007
Census Tract970500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

Owner

165 Harbor Dr is owned and occupied by two individuals who acquired it in December 2011.

Source: Monroe County records, as of December 26, 2025

Owner of Record2 Individual Names on File
Mailing Address165 HARBOR DR, KEY LARGO, FL 33037-4104
OccupancyOwner Occupied
Owner TypeIndividual

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 Names2 Names on Deed
Last SaleFeb 1, 1973 · Amount on File
Deed SaleFeb 1, 1973 · Amount on File
Deed Book / Page505 / 581
Last Transfer DateDec 1, 2011
Transfer Doc0025511885
Record UpdatedJun 8, 2026

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateOct 1, 2021
Property Address165 HARBOR DR, KEY LARGO, FL 33037-4104
Document Number0031291047
Book / Page3129 / 1047
Map ReferenceMB 3 PG 44
Instrument DateSep 30, 2021
Instrument2342394
Transaction TypeTransfer
Record UpdatedJul 29, 2022
Title CompanyCORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,520.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2337 FOXHAVEN DR E, 2337, JACKSONVILLE, FL 32224-2001

Transferred To (Grantee/Buyer)

NameVerified Name
Address165 HARBOR DR, KEY LARGO, FL 33037-4104

Mortgage

Document Number0031291050
DateOct 1, 2021
Instrument3129/1050
Lender
NameAMERIFIRST FINANCIAL CORP
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2051

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$326,894$552,117 Land $302,580 Building $249,537
2024$3,029.00 (+4.92%)
2023$2,887.00 (+5.29%) Homeowner's exemption$308,430 (+3%)$500,219 (+67.05%) Land $297,045 Building $203,174
2022$2,742.00 Homeowner's exemption$299,447 Land $177,120 Building $122,327$299,447 Land $177,120 Building $122,327

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

Flood

FEMA maps place 165 Harbor 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 595 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies839 units insured
incl. 244 condo units
Nearby Flood Claims304 (1983–2025)
Claims Outside the SFHA8 of 304
Most Recent ClaimOct 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 165 Harbor 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 RiskLow
lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood0.04% annual chance
ExposureNone
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 266 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250

May also be available: AT&T, T-Mobile, Verizon.

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