19 Harbor Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 19 Harbor Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,856 sqft · built 2015
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$725,000 (Mar 2018)
Tax Bill	$5,577 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Oct 2020 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`00530050-000000`

Property Details

APN / Parcel Number

Primary APN	`00530050-000000`
Alternative APNs	`28613900530050000000` `1649279`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,856 sqft Living Area
1st Floor Area	1,450 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Reinforced Concrete
Roof Material	Concrete
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
View / Lot	Canal
Garage Type	Covered
Garage Area	400 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	629 sqft
Patio Area	42 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1649279
Street Address	19 HARBOR DR
City	KEY LARGO
State	FL
Zip	33037-2563
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 3 LT 9 SUNSET WATERWAYS PB4-31 KEY LARGO OR537-797 OR813-1262 OR894-851 OR1097-1416 OR1271-2086 OR1764-550/51 OR2302-623/24 OR2363-2071/72 OR2637-987 OR2814-2348 OR2895-1004/05
Legal Range	39E
Legal Township	61S
Legal Section	28
Legal Subdivision	SUNSET WATERWAYS
Legal Block	3
Legal Lot Number	9
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1023
Census Tract	970400

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 September 14, 2026

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	19 HARBOR DR, KEY LARGO, FL 33037-2563
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 27, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Dec 8, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 23, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Mar 9, 2018	Warranty Deed, Transfer · Conventional Mortgage EAST COAST MORTGAGE LENDERS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2018 · Amount on Record
Deed Sale	Mar 9, 2018 · Amount on Record
Prior Sale	Sep 9, 2016 · Amount on Record
Deed Document Number	20182158816
Deed Book / Page	2895 / 1004
Prior Transfer Date	May 1, 2016
Prior Transfer Doc	0028142348
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Recording Date	Sep 2, 2026
Property Address	19 HARBOR DR, KEY LARGO, FL 33037-2563
Document Number	0002559351
Book / Page	3400 / 2354
Instrument Date	Aug 26, 2026
Instrument	20262559351
Transaction Type	Mortgage
Record Updated	Sep 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 HARBOR DR, KEY LARGO, FL 33037-2563

Mortgage

Document Number	0002559351,
Date	Sep 2, 2026
Book Page	3400/2354
Instrument	20262559351

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	19 HARBOR DR, KEY LARGO, FL 33037-2563
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030530011
Date	Oct 27, 2020
Book Page	3053/11
Instrument	2288147

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	19 HARBOR DR, KEY LARGO, FL 33037-2563
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031411826
Date	Dec 8, 2021
Book Page	3141/1826
Instrument	2351711

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Oct 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	19 HARBOR DR, KEY LARGO, FL 33037-2563
Document Number	0029940057
Instrument Date	Oct 23, 2019
Transaction Type	Mortgage
Record Updated	Dec 19, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19 HARBOR DR KEY LARGO FL 330372563, KEY LARGO, FL 33037-2563

Mortgage

Document Number	0029940057
Date	Nov 12, 2019
Book Page	002994/000057
Instrument	2244147

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2049

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 9, 2018
Property Address	19 HARBOR DR, KEY LARGO, FL 33037-2563
Document Number	0028951004
Book / Page	2895 / 1004
Map Reference	MB4 PG31
Instrument Date	Mar 2, 2018
Instrument	2158816
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	SUNSHINE TITLE OF THE KEYS I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,075.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3021 OAK AVE APT 3, 3021, MIAMI, FL 33133-5146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 HARBOR DR, KEY LARGO, FL 33037-2563

Mortgage

Document Number	0002158818
Date	Mar 9, 2018
Instrument	2158818

Lender

Name	EAST COAST MORTGAGE LENDERS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

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	$5,577.00 (+0.32%) Homeowner's exemption Veteran's exemption	$667,912 (+5.99%)	$1,057,304 (+3.19%) Land $663,480 Building $393,824
2024	$5,559.00 (+3.79%)
2023	$5,356.00 (+6.08%) Senior Citizen's exemption	$630,184 (+3%)	$1,024,657 (+11.74%) Land $649,800 Building $374,857
2022	$5,049.00 Senior Citizen's exemption	$611,830	$916,968 Land $547,200 Building $369,768

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 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 Record median of 147 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	151 units insured incl. 4 condo units
Nearby Flood Claims	160 (1979–2022)
Claims Outside the SFHA	3 of 160
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 28 claims Hurricane Wilma, Oct 2005 · 75 claims Hurricane Irene, Oct 1999 · 14 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	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond 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 380 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: T-Mobile.

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