18 Orange Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 18 Orange Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,292 sqft · built 2014
Lot Size	0.06 acres (2,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Jun 2018)
Tax Bill	$2,271 (2024)
Deeds & Mortgages	Nov 2020 Mortgage Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00526600-000000`

Property Details

APN / Parcel Number

Primary APN	`00526600-000000`
Alternative APNs	`28613900526600000000` `1645834`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,292 sqft Living Area
1st Floor Area	1,292 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,600 sqft (0.06 acres)
Lot Dimensions	50 ft deep x 52 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1645834
Street Address	18 ORANGE DR
City	KEY LARGO
State	FL
Zip	33037-2500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 15 LT 4 AMD PLAT OF PB3-62 KEY LARGO PARK OR210-408 OR1047-1043 OR1048-1846C OR1088-1807 OR2094-2292 OR2097-1622/23 OR2389-275/76C OR2389-274 OR2666-930C OR2713-356 OR2856-69 OR2909-1834
Legal Range	39E
Legal Township	61S
Legal Section	28
Legal Subdivision	KEY LARGO PARK AMD
Legal Block	15
Legal Lot Number	4
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1021
Census Tract	970500

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 8, 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	18 ORANGE DR, KEY LARGO, FL 33037-2500
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Jun 4, 2018	Warranty Deed, Transfer · Conventional Mortgage CAPITAL BANK
May 24, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage EAST COAST MORTGAGE LENDERS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2018 · Amount on Record
Deed Sale	Jun 4, 2018 · Amount on Record
Prior Sale	Nov 21, 2014 · Amount on Record
Deed Document Number	20182171812
Deed Book / Page	2909 / 1834
Prior Transfer Date	May 18, 2017
Prior Transfer Doc	0028560069
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	18 ORANGE DR, KEY LARGO, FL 33037-2500
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 ORANGE DR, KEY LARGO, FL 33037-2500

Mortgage

Document Number	0030550774
Date	Nov 6, 2020
Book Page	3055/774
Instrument	2289884

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Nov 1, 2051

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 4, 2018
Property Address	18 ORANGE DR, KEY LARGO, FL 33037-2500
Document Number	0029091834
Book / Page	2909 / 1834
Map Reference	MB3 PG62
Instrument Date	May 29, 2018
Instrument	2171812
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ABSOLUTE FIRST TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18 ORANGE DR, 18, KEY LARGO, FL 33037-2500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 ORANGE DR, KEY LARGO, FL 33037-2500

Mortgage

Document Number	0002171813
Date	Jun 4, 2018
Instrument	2171813

Lender

Name	CAPITAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	May 24, 2017
Property Address	18 ORANGE DR, KEY LARGO, FL 33037-2500
Document Number	0028560069
Book / Page	2856 / 0069
Map Reference	MB3 PG62
Instrument Date	May 18, 2017
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ABSOLUTE FIRST TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18 ORANGE DR, KEY LARGO, FL 33037-2500

Mortgage

Document Number	0002124480
Date	May 24, 2017
Instrument	2124480

Lender

Name	EAST COAST MORTGAGE LENDERS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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		$233,627 (+5.99%)	$488,754 (+6.18%) Land $208,715 Building $280,039
2024	$2,271.00 (+5.92%)
2023	$2,144.00 (+4.94%) Homeowner's exemption	$220,431 (+3%)	$460,304 (-0.28%) Land $197,730 Building $262,574
2022	$2,043.00 Homeowner's exemption	$214,011	$461,585 Land $197,730 Building $263,855

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 177 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	204 units insured incl. 27 condo units
Nearby Flood Claims	50 (1984–2025)
Claims Outside the SFHA	8 of 50
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims Hurricane Wilma, Oct 2005 · 20 claims Hurricane Georges, Sep 1998 · 9 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	Not rated no burnable land within 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 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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