Monroe County property record for 18 S Island Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,685 sqft · built 1988 |
| Lot Size | 0.047 acres (2,077 sqft) |
| Owner | Individual Name on File |
| Last Sale | $3,500,000 (May 2023) |
| Tax Bill | $17,271 (2024) |
| Deeds & Mortgages | May 2023 Sale Nov 2019 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00080020-000218 |
| Primary APN | 00080020-000218 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,685 sqft Living Area |
| 1st Floor Area | 1,293 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 2,077 sqft (0.047 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 1,470 sqft |
| Pool Type | Public / Commercial Pool |
| Porch | Open Porch |
| Porch Area | 784 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 8752954 |
|---|---|
| Old Parcel Number | 13594000080020000218 |
| Street Address | 18 S ISLAND DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNIT 18 ANGLERS CLUB A CONDO OR1067-1269 OR1850-2199 OR2364-953 OR2995-0613 OR3227-1917 |
| Legal Range | 40E |
| Legal Township | 59S |
| Legal Section | 13 |
| Legal Subdivision | ANGLERS CLUB CONDO |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3041 |
| Census Tract | 972700 |
18 S Island Dr is owned and occupied by an individual who bought it in May 2023.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 24 DOCKSIDE LN, KEY LARGO, FL 33037-5267 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 31, 2023 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Nov 19, 2019 | Warranty Deed, Transfer JEFFERY L & JACQUELINE MORBY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2023 · Amount on File |
| Deed Sale | May 31, 2023 · Amount on File |
| Prior Sale | Nov 19, 2019 · Amount on File |
| Deed Document Number | 2419952 |
| Deed Book / Page | 3227 / 1917 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 31, 2023 |
| Property Address | 18 S ISLAND DR, KEY LARGO, FL 33037-3606 |
| Document Number | 0032271917 |
| Book / Page | 3227 / 1917 |
| Map Reference | MB 1692 PG 827 |
| Instrument Date | May 30, 2023 |
| Instrument | 2419952 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $24,500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1250 ORLEANS DR, KNOXVILLE, TN 37919-8289 |
| Name | Verified Name |
|---|---|
| Address | 24 DOCKSIDE LN PMB 13, KEY LARGO, FL 33037-5267 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 19, 2019 |
| Property Address | 18 S ISLAND DR, KEY LARGO, FL 33037-3606 |
| Document Number | 0029950613 |
| Book / Page | 002995 / 000613 |
| Instrument Date | Nov 6, 2019 |
| Instrument | 2245145 |
| Transaction Type | Transfer |
| Record Updated | Dec 27, 2019 |
| Title Company | PREMIER TITLE COMPANY, PREMIER TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $11,200.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 31 OCEAN REEF DR #C-101-134 KEY LARGO FL 330375282, C-101-, KEY LARGO, FL 33037-5282 |
| Document Number | 29950617 |
|---|---|
| Date | Nov 19, 2019 |
| Book Page | 002995/000617 |
| Instrument | 2245146 |
| Name | JEFFERY L & JACQUELINE MORBY |
|---|---|
| Address | 21 CARD SOUND RD, KEY LARGO, FL 33037-3771 |
| Special Notes | Seller Financed |
| Amount | Amount on Record |
|---|
| Rate | 6% |
|---|
Source: Monroe County assessment roll, as of July 1, 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 | $2,614,159 | $3,138,728 Land $2,613,821 Building $524,907 | |
| 2024 | $17,271.00 (+88.26%) | ||
| 2023 | $9,174.00 (+4.71%) Homeowner's exemption | $1,327,373 (+3%) | $2,245,819 (+22.28%) Land $1,835,549 Building $410,270 |
| 2022 | $8,761.00 Homeowner's exemption | $1,288,712 | $1,836,673 Land $1,453,755 Building $382,918 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 18 S Island 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 Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 11.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 838 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 1,585 units insured incl. 747 condo units |
| Nearby Flood Claims | 78 (2005–2023) |
| Claims Outside the SFHA | 1 of 78 |
| Most Recent Claim | Nov 2023 · rainfall accumulation |
| Claims by Event |
|
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 S Island Dr is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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