17 Harbor Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 17 Harbor Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,148 sqft · built 1989
Lot Size	0.137 acres (6,000 sqft)
Owner	2 Owner Names on Record
Last Sale	$177,500 (Oct 1998)
Tax Bill	$3,255 (2024)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2017 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00530040-000000`

Property Details

APN / Parcel Number

Primary APN	`00530040-000000`
Alternative APNs	`28613900530040000000` `1649261`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,148 sqft Living Area
1st Floor Area	1,148 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2012
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Area	243 sqft
Porch	Open Porch
Porch Area	906 sqft
Patio Area	477 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1649261
Old Parcel Number	28613900530040000000
Street Address	17 HARBOR DR
City	KEY LARGO
State	FL
Zip	33037-2563
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 3 LT 8 SUNSET WATERWAYS PB4-31 KEY LARGO OR555-21 OR866-1573 OR1074-1073 OR1472-2021 OR1541-1546/47
Legal Range	39E
Legal Township	61S
Legal Section	28
Legal Subdivision	SUNSET WATERWAYS
Legal Block	3
Legal Lot Number	8
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	2 Owner Names on Record
Mailing Address	17 HARBOR DR, KEY LARGO, FL 33037-2563
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 23, 2017	Deed of Trust, Mortgage · Commercial Mortgage CAPITAL BANK CORPORATION
Mar 2, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Aug 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 1998 · Amount on Record
Deed Sale	Oct 20, 1998 · Amount on Record
Deed Document Number	0154101546
Deed Book / Page	01541 / 01546
Last Transfer Date	Oct 21, 1998
Transfer Doc	0015411546
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	17 HARBOR DR, KEY LARGO, FL 33037-2563
Transaction Type	Mortgage
Record Updated	Oct 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 HARBOR DR, KEY LARGO, FL 33037-2563

Mortgage

Document Number	0031260291
Date	Sep 16, 2021
Book Page	3126/291
Instrument	2339978

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	17 HARBOR DR, KEY LARGO, FL 33037-2563
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028360276
Date	Jan 23, 2017
Book Page	2836/0276
Instrument	2107871

Lender

Name	CAPITAL BANK CORPORATION
Type	Bank
Address	ISLAMORADA, FL 33036

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	17 HARBOR DR, KEY LARGO, FL 33037-2563
Document Number	0030201464
Instrument Date	Mar 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 HARBOR DR KEY LARGO FL 330372563, KEY LARGO, FL 33037-2563

Mortgage

Document Number	0030201464
Date	May 1, 2020
Book Page	003020/001464
Instrument	2264848

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2050

Interest

Rate Type	Adjustable Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	17 HARBOR DR, KEY LARGO, FL 33037-2563
Document Number	0028731550
Instrument Date	Aug 26, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 HARBOR DR KEY LARGO FL 330372563, KEY LARGO, FL 33037-2563

Mortgage

Document Number	0028731550
Date	Oct 4, 2017
Book Page	002873/001550
Instrument	2138765

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2047

Interest

Rate Type	Adjustable Rate

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		$362,028 (+5.99%)	$1,009,889 (+4.38%) Land $663,480 Building $346,409
2024	$3,255.00 (+4.83%)
2023	$3,105.00 (+5.5%) Homeowner's exemption	$341,579 (+3%)	$967,466 (+10.88%) Land $649,800 Building $317,666
2022	$2,943.00 Homeowner's exemption	$331,631	$872,554 Land $547,200 Building $325,354

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.

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