176 Harborview Dr, Tavernier, FL 33070 Property Records

Monroe County property record for 176 Harborview Dr, Tavernier, FL 33070

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,277 sqft · built 1973
Lot Size	0.58 acres (25,265 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,800,000 (Jun 2016)
Tax Bill	$26,900 (2024)
Deeds & Mortgages	Jul 2022 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00482250-000000`

Property Details

APN / Parcel Number

Primary APN	`00482250-000000`
Alternative APNs	`27623800482250000000` `1591505`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	4,277 sqft Living Area
1st Floor Area	3,720 sqft
Flooring	Marble
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2008
Exterior Material	Other
Construction Type	Concrete
Foundation Type	Pile
Roof Type	Reinforced Concrete
Roof Material	Other
Lot Area	25,265 sqft (0.58 acres)
Garage Area	529 sqft

Exterior Amenities

Pool Area	540 sqft
Porch	Open Porch
Porch Area	1,485 sqft
Deck Area	20 sqft
Patio Area	4,808 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1591505
Old Parcel Number	27623800482250000000
Street Address	176 HARBORVIEW DR
City	TAVERNIER
State	FL
Zip	33070-2663
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 4 LT 7 TAVERNIER HARBOR PB2-36 KEY LARGO OR516-716 OR832-451/53 OR897-609/10 OR899-1256 OR915-2471/E OR918-405/06E
Legal Range	38E
Legal Township	62S
Legal Section	27
Legal Subdivision	TAVERNIER HARBOR
Legal Block	4
Legal Lot Number	7
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1016
Census Tract	970700

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 Individual Names on Record
Mailing Address	176 HARBORVIEW DR, TAVERNIER, FL 33070-2663
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2016 · Amount on Record
Deed Sale	Jun 8, 2016 · Amount on Record
Prior Sale	Dec 23, 2015 · Amount on Record
Deed Document Number	2078861
Deed Book / Page	2800 / 1199
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	176 HARBORVIEW DR, TAVERNIER, FL 33070-2663
Transaction Type	Mortgage
Record Updated	Feb 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 HARBORVIEW DR, TAVERNIER, FL 33070-2663

Mortgage

Document Number	0031851123
Date	Jul 22, 2022
Book Page	3185/1123
Instrument	2384635

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Aug 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.87%
Index	Other
Margin	3
Max Rate	7.87%

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		$3,386,085 (+10.08%) Land $2,315,603 Building $1,070,482	$3,386,085 (-40.79%) Land $2,315,603 Building $1,070,482
2024	$26,900.00 (+2.93%)
2023	$26,134.00 (+2.73%) Homeowner's exemption	$3,076,141 (+3%)	$5,718,992 (+91.49%) Land $4,631,205 Building $1,087,787
2022	$25,439.00 Homeowner's exemption	$2,986,545 Land $1,887,216 Building $1,099,329	$2,986,545 Land $1,887,216 Building $1,099,329

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 280 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	394 units insured incl. 114 condo units
Nearby Flood Claims	182 (1994–2023)
Claims Outside the SFHA	2 of 182
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 86 claims Hurricane Wilma, Oct 2005 · 9 claims Hurricane Georges, Sep 1998 · 54 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 96% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20