Monroe County property record for 195 Lorelane Pl, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,429 sqft · built 1990 |
| Lot Size | 0.216 acres (9,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $21,700 (May 2024) |
| Tax Bill | $15,624 (2024) |
| Deeds & Mortgages | Sep 2025 Line of Credit Aug 2023 Mortgage + 3 more |
| Flood Zone | Zone VE (high risk) |
| APN | 00500860-000000 |
| Primary APN | 00500860-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 3 Stories |
| Building Area | 3,429 sqft Living Area |
| Gross Area | 3,981 sqft |
| 1st Floor Area | 2,997 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 9,405 sqft (0.216 acres) |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 1,517 sqft |
| Deck Area | 1,428 sqft |
| Patio Area | 1,873 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1618713 |
|---|---|
| Street Address | 195 LORELANE PL |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 14 LT 20 KEY LARGO OCEAN SHORES ADDN PB4-124 KEY LARGO OR340-558 OR421-529 OR554-820 OR897-1205 OR962-85 OR1021-790 OR1037-776 OR1614-2367 OR1678-1955 OR1952-2016 OR2573-1492 OR3139-698 OR3232-1603 OR3264-2389 OR3278-1730 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 32 |
| Legal Subdivision | KEY LARGO OCEAN SHORES ADD |
| Legal Block | 14 |
| Legal Lot Number | 20 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2043 |
| Census Tract | 970500 |
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.
Source: Monroe County records, as of December 8, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4001 SW 136TH AVE, MIRAMAR, FL 33027-2743 |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Sep 23, 2025 | Deed of Trust, Mortgage · Line of Credit CITY NATIONAL BANK OF FLORIDA |
| Aug 1, 2023 | Deed of Trust, Mortgage · Conventional Mortgage DEEPHAVEN MORTGAGE LLC |
| Mar 4, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Jul 3, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Nov 23, 2021 | Warranty Deed, Construction Loan · Construction Mortgage ELS HOLDINGS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2024 · Amount on File |
| Deed Sale | May 31, 2024 · Amount on File |
| Prior Sale | Nov 23, 2021 · Amount on File |
| Deed Document Number | 20242463748 |
| Deed Book / Page | 3278 / 1730 |
| Last Transfer Date | Apr 9, 2025 |
| Transfer Doc | 0033231789 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 195 LORELANE PL, KEY LARGO, FL 33037-4201 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Name | Verified Name |
|---|---|
| Address | 195 LORELANE PL, KEY LARGO, FL 33037-4201 |
| Document Number | 0033460174 |
|---|---|
| Date | Sep 23, 2025 |
| Book Page | 3346/174 |
| Instrument | 2516260 |
| Name | CITY NATIONAL BANK OF FLORIDA |
|---|---|
| Type | Bank |
| Address | MIAMI, FL 33131 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 9, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 195 LORELANE PL, KEY LARGO, FL 33037-4201 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 23360 BUTTERFLY PALM CT, BOCA RATON, FL 33433-6121 |
| Document Number | 0032361538 |
|---|---|
| Date | Aug 1, 2023 |
| Book Page | 3236/1538 |
| Instrument | 2427002 |
| Name | DEEPHAVEN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 4, 2024 |
| Property Address | 195 LORELANE PL, KEY LARGO, FL 33037-4201 |
| Document Number | 0032642389 |
| Book / Page | 3264 / 2389 |
| Map Reference | MB 4 PG 124 |
| Instrument Date | Feb 16, 2024 |
| Instrument | 2453115 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6143 LA VIDA TER, BOCA RATON, FL 33433-7228 |
| Name | Verified Name |
|---|---|
| Address | 1600 S DIXIE ILWY #506 # 506, 506, BOCA RATON, FL 33432 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 3, 2023 |
| Property Address | 195 LORELANE PL, KEY LARGO, FL 33037-4201 |
| Document Number | 0032321603 |
| Book / Page | 3232 / 1603 |
| Map Reference | MB 4 PG 124 |
| Instrument Date | Oct 20, 2022 |
| Instrument | 2423738 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1600 S DIXIE HWY, BOCA RATON, FL 33432-7463 |
| Name | Verified Name |
|---|---|
| Address | 6143 LA VIDA TER, BOCA RATON, FL 33433-7228 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 23, 2021 |
| Property Address | 195 LORELANE PL, KEY LARGO, FL 33037-4201 |
| Document Number | 0031390698 |
| Book / Page | 3139 / 698 |
| Map Reference | MB 4 PG 124 |
| Instrument Date | Oct 27, 2021 |
| Instrument | 2349879 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 12, 2024 |
| Title Company | TITLEHOST |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $11,900.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 159 DUBONNET RD, TAVERNIER, FL 33070-2730 |
| Name | Verified Name |
|---|---|
| Address | 1600S S DIXIE HWY STE 500A, 500A, BOCA RATON, FL 33432-7402 |
| Document Number | 0003139700 |
|---|---|
| Date | Nov 23, 2021 |
| Instrument | 3139/700 |
| Name | ELS HOLDINGS LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 24 Months |
| Due | Nov 1, 2023 |
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 | $2,297,640 (+29.88%) | $2,558,251 (+44.62%) Land $864,884 Building $1,693,367 | |
| 2024 | $15,624.00 (+5.54%) | ||
| 2023 | $14,804.00 (+29.43%) | $1,769,001 (+26.77%) Land $795,193 Building $973,808 | $1,769,001 (+26.77%) Land $795,193 Building $973,808 |
| 2022 | $11,438.00 | $1,395,413 Land $634,062 Building $761,351 | $1,395,413 Land $634,062 Building $761,351 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 11.0 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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