Monroe County property record for 18 Osprey Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,200 sqft · built 2012 |
| Lot Size | 0.083 acres (3,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $67,000 (May 1996) |
| Tax Bill | $4,902 (2024) |
| Flood Zone | Zone VE (high risk) |
| APN | 00532701-014200 |
| Primary APN | 00532701-014200 |
|---|---|
| Alternative APNs |
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| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,200 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Interior Walls | Masonry |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 3,600 sqft (0.083 acres) |
| Lot Dimensions | 80 ft deep x 45 ft wide |
| View / Lot | Canal |
| Garage Type | Covered |
| Garage Area | 816 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 208 sqft |
| Deck Area | 270 sqft |
| Patio Area | 286 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1653306 |
|---|---|
| Street Address | 18 OSPREY RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3048 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URM |
| Legal Description | BK 5 LT 18 SEXTON COVE ESTATES RESUBDIVISION KEY LARGO PB6-30 OR58-39 OR865-357 OR1314-1740 OR1403-748 OR3265-1692 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 01 |
| Legal Subdivision | SEXTON COVES ESTATES |
| Legal Block | 5 |
| Legal Lot Number | 18 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 972700 |
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.
18 Osprey Rd is owned by two individuals who acquired it in March 2024.
Source: Monroe County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8830 NW 175TH ST, HIALEAH, FL 33018-6629 |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 13, 1996 · Amount on File |
| Deed Sale | May 13, 1996 · Amount on File |
| Prior Sale | Jul 11, 1994 · Amount on File |
| Deed Book / Page | 1403 / 748 |
| Last Transfer Date | Mar 7, 2024 |
| Transfer Doc | 0032651692 |
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $651,601 Land $416,030 Building $235,571 | $651,601 Land $416,030 Building $235,571 | |
| 2024 | $4,902.00 (+15.37%) | ||
| 2023 | $4,249.00 (+11.03%) | $509,726 (+9.96%) Land $291,924 Building $217,802 | $509,726 (+9.96%) Land $291,924 Building $217,802 |
| 2022 | $3,827.00 | $463,557 Land $243,270 Building $220,287 | $463,557 Land $243,270 Building $220,287 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18 Osprey Rd in Zone VE, a high-risk coastal 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 Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 12.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 433 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 660 units insured incl. 227 condo units |
| Nearby Flood Claims | 80 (1999–2024) |
| Claims Outside the SFHA | 1 of 80 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
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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 risk around 18 Osprey Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 301 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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