185 Ocean View Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 185 Ocean View Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 2,468 sqft · built 1972
Lot Size	0.353 acres (15,380 sqft)
Owner	Company Name on File
Last Sale	$1,050,000 (Jun 2019)
Tax Bill	$11,979 (2024)
Deeds & Mortgages	Jun 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00498110-000000`

Property Details

APN / Parcel Number

Primary APN	`00498110-000000`
Alternative APN	`1615978`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,468 sqft Living Area
1st Floor Area	1,382 sqft
Basement Area	988 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	15,380 sqft (0.353 acres)
View / Lot	Canal

Exterior Amenities

Pool Area	544 sqft
Porch	Florida Room
Porch Area	1,260 sqft
Deck Area	300 sqft
Patio Area	900 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1615978
Street Address	185 OCEAN VIEW DR
City	KEY LARGO
State	FL
Zip	33037-4212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 3 LTS 20-21 AMENDED AND EXTENDED PLAT OF KEY LARGO OCEAN SHORE PB4-18 KEY LARGO OR318-206 OR854-955 OR854-959 OR978-329 OR1017-94 OR1038-187/AFF OR1038-188D/C OR1094-483 OR1278-1315 OR1323-843 OR1634-361 OR2708-1122/23 OR2970-0776
Legal Range	39E
Legal Township	61S
Legal Section	33
Legal Subdivision	AMENDED & EXTENDED PLAT OF KEY LARGO OCE
Legal Block	3
Legal Lot Number	20-21
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2015
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

185 Ocean View Dr is owned by a company that bought it in June 2019.

Source: Monroe County records, as of April 14, 2026

Owner of Record	Company Name on File
Mailing Address	6700 NW 12TH ST, MIAMI, FL 33126-2082
Owner Type	Company
Vesting	Limited Liability Company

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2019 · Amount on File
Deed Sale	Jun 14, 2019 · Amount on File
Prior Sale	Oct 21, 2014 · Amount on File
Deed Document Number	20192224865
Deed Book / Page	2970 / 776
Transfer Doc	1323000843
Record Updated	Oct 29, 2026

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE FL
Recording Date	Jun 14, 2019
Property Address	185 OCEAN VIEW DR, KEY LARGO, FL 33037-4212
Document Number	0029700776
Book / Page	002970 / 000776
Instrument Date	May 24, 2019
Instrument	2224865
Transaction Type	Transfer
Record Updated	Jul 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,350.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6700 NW 12TH ST MIAMI FL 331262082, MIAMI, FL 33126-2082

Mortgage

Document Number	29700778
Date	Jun 14, 2019
Book Page	002970/000778
Instrument	2224866

Lender

Name	EM INVESTMENTS HOLDINGS LLC
Type	Bank
Address	MIAMI, FL 33173

Agreement

Amount	Amount on Record

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		$1,629,493 Land $1,084,376 Building $545,117	$1,629,493 Land $1,084,376 Building $545,117
2024	$11,979.00 (+6.57%)
2023	$11,241.00 (+14.54%)	$1,736,718 (+15.7%) Land $1,209,560 Building $527,158	$1,736,718 (+15.7%) Land $1,209,560 Building $527,158
2022	$9,814.00	$1,501,093 Land $1,082,199 Building $418,894	$1,501,093 Land $1,082,199 Building $418,894

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

Flood

FEMA maps place 185 Ocean View 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	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 595 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	839 units insured incl. 244 condo units
Nearby Flood Claims	304 (1983–2025)
Claims Outside the SFHA	8 of 304
Most Recent Claim	Oct 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

The area around 185 Ocean View Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20