186 Harborview Dr, Tavernier, FL 33070 Property Records

Monroe County property record for 186 Harborview Dr, Tavernier, FL 33070

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 2,626 sqft · built 1948
Lot Size	0.317 acres (13,800 sqft)
Owner	2 Individual Names on File
Last Sale	$1,312,000 (Nov 2020)
Tax Bill	$16,316 (2024)
Deeds & Mortgages	Nov 2020 Sale
Flood Zone	Zone AE (high risk)
APN	`00482280-000000`

Property Details

APN / Parcel Number

Primary APN	`00482280-000000`
Alternative APNs	`27623800482280000000` `1591530`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Units	2 Units
Stories	2 Stories
Building Area	2,626 sqft Living Area
1st Floor Area	2,626 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1948
Effective Year Built	Effective 2005
Architectural Style	Duplex Single
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,800 sqft (0.317 acres)
View / Lot	Waterfront

Exterior Amenities

Porch	Open Porch
Porch Area	1,032 sqft
Patio Area	487 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1591530
Street Address	186 HARBORVIEW DR
City	TAVERNIER
State	FL
Zip	33070-2662
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	IS-D
Legal Description	BK 5 LT 3 TAVERNIER HARBOR PB2-36 KEY LARGO OR308-10 OR732-221 OR732-220 OR832-451/53 OR897-609/10 OR899-1256 OR942-1920/21 OR1333-1527 OR1624-1935 OR2720-756/58 OR2720-759/61 OR2720-762/64 OR3056-1734
Legal Range	38E
Legal Township	62S
Legal Section	27
Legal Subdivision	TAVERNIER HARBOR
Legal Block	5
Legal Lot Number	3
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1016
Census Tract	970700

Owner

186 Harborview Dr, a duplex, is owned by two individuals who bought it in November 2020.

Source: Monroe County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1616 SW 5TH CT, FORT LAUDERDALE, FL 33312-7513
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2020 · Amount on File
Deed Sale	Nov 13, 2020 · Amount on File
Prior Sale	Mar 27, 2000 · Amount on File
Deed Document Number	20202290762
Deed Book / Page	3056 / 1734
Prior Transfer Date	Nov 24, 2014
Prior Transfer Doc	0027150756
Record Updated	Jun 8, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 13, 2020
Property Address	186 HARBORVIEW DR, TAVERNIER, FL 33070-2662
Document Number	0030561734
Book / Page	003056 / 001734
Instrument Date	Oct 24, 2020
Instrument	2290762
Transaction Type	Transfer
Record Updated	Dec 9, 2020
Title Company	FLORIDA TITLE/KEYS

Transaction

Amount	Amount on Record
Tax	$9,184.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1616 SW STH CT LAUDERHILL FL 33312, LAUDERHILL, FL 33312

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		$2,110,925 Land $1,697,400 Building $413,525	$2,110,925 Land $1,697,400 Building $413,525
2024	$16,316.00 (-8.08%)
2023	$17,751.00 (+41.31%)	$3,134,494 (+101.46%) Land $2,794,500 Building $339,994	$3,134,494 (+101.46%) Land $2,794,500 Building $339,994
2022	$12,562.00	$1,555,904 Land $1,207,224 Building $348,680	$1,555,904 Land $1,207,224 Building $348,680

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

Flood

FEMA maps place 186 Harborview 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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 186 Harborview Dr is low, with less than a 0.01% annual chance of 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