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175 Harbor Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 175 Harbor Dr, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,188 sqft · built 1955
Lot Size0.169 acres (7,380 sqft)
Owner2 Individual Names on File
Last Sale$380,000 (Jun 2024)
Tax Bill$4,995 (2025)
Deeds & MortgagesMay 2018 Sale
Jul 2017 Foreclosure
+ 1 more
Flood ZoneZone AE (high risk)
APN00521850-000000

Property Details

APN / Parcel Number

Primary APN00521850-000000
Alternative APN
  • 1641081

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,188 sqft Living Area
1st Floor Area1,188 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1955
Effective Year BuiltEffective 2018
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area7,380 sqft (0.169 acres)
Lot Dimensions123 ft deep x 60 ft wide
PorchOpen Porch
Porch Area309 sqft
Patio Area1,900 sqft

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air with A/C

Location & Zoning

Account Number1641081
Street Address175 HARBOR DR
CityKEY LARGO
StateFL
Zip33037-4104
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 2 LT 13 HARBOR SHORES PB3-44 KEY LARGO OR22-82 OR461-672 OR806-2101 OR831-308 OR847-708 OR1154-2212 OR1613-110C/T OR1657-1245/46 OR2871-2356/58C/T OR2908-442 OR3280-1836
Legal Range39E
Legal Township61S
Legal Section32
Legal SubdivisionHARBOR SHORES
Legal Block2
Legal Lot Number13
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

175 Harbor Dr is owned and occupied by two individuals who bought it in June 2024.

Source: Monroe County records, as of October 12, 2026

Owner of Record2 Individual Names on File
Mailing Address175 HARBOR DR, KEY LARGO, FL 33037-4104
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

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

DateDocument
May 23, 2018Grant Deed, Transfer
AMERICAN GUARDIAN TITLE INC
Jul 25, 2017Trustee's Deed, Foreclosure
Sep 5, 2017Trustee's Deed, Foreclosure
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 14, 2024 · Amount on File
Deed SaleJun 14, 2024 · Amount on File
Prior SaleMay 23, 2018 · Amount on File
Deed Document Number20242465267
Deed Book / Page3280 / 1836
Prior Transfer DateJul 19, 2017
Prior Transfer Doc0028712356
Record UpdatedOct 29, 2026

May 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMONROE FL
Recording DateMay 23, 2018
Property Address175 HARBOR DR, KEY LARGO, FL 33037-4104
Document Number0029080442
Book / Page002908 / 000442
Instrument DateMay 3, 2018
Instrument2170393
Transaction TypeTransfer
Record UpdatedJul 10, 2018
Title CompanyAMERICAN GUARDIAN TITLE INC

Transaction

AmountAmount on Record
Tax$1,750.00
Amount AccuracyConfirmed
Additional
  • Notice of Foreclosure Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address113 SOUTH DR ISLAMORADA FL 330363122, ISLAMORADA, FL 33036-3122

July 2017: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionMONROE FL
Recording DateJul 25, 2017
Property Address175 HARBOR DR, KEY LARGO, FL 33037-4104
Document Number0028652479
Book / Page002865 / 002479
Instrument DateJul 21, 2017
Instrument2132552
Transaction TypeForeclosure
Record UpdatedAug 10, 2017

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
InvestorPossibly a Property Investor

September 2017: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionMONROE FL
Recording DateSep 5, 2017
Property Address175 HARBOR DR, KEY LARGO, FL 33037-4104
Document Number0028712356
Book / Page002871 / 002356
Instrument DateJul 21, 2017
Instrument2137467
Transaction TypeForeclosure
Record UpdatedOct 23, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 175 Harbor Dr was $4,995 with a homeowner's exemption, up 31.9% from the year before.

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$4,995.00 (+31.9%) Homeowner's exemption$554,176 Land $302,580 Building $251,596$554,176 Land $302,580 Building $251,596
2024$3,787.00 (+7.34%)
2023$3,528.00 (+18.51%)$510,472 (+33.87%) Land $297,045 Building $213,427$510,472 (+33.87%) Land $297,045 Building $213,427
2022$2,977.00$381,310 Land $177,120 Building $204,190$381,310 Land $177,120 Building $204,190

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

Flood

FEMA maps place 175 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 175 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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