198 Beach Rd, Tavernier, FL 33070 Property Records

Monroe County property record for 198 Beach Rd, Tavernier, FL 33070

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 600 sqft · built 1935
Lot Size	0.062 acres (2,708 sqft)
Owner	Individual Name on File
Last Sale	$580,000 (Apr 2023)
Tax Bill	$4,753 (2024)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Jul 2018 Sale
Flood Zone	Zone AE (high risk)
APN	`00557130-000000`

Property Details

APN / Parcel Number

Primary APN	`00557130-000000`
Alternative APNs	`34623800557130000000` `1683434`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	600 sqft Living Area
1st Floor Area	600 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1935
Effective Year Built	Effective 2015
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,708 sqft (0.062 acres)
Lot Dimensions	80 ft deep x 34 ft wide
View / Lot	Waterfront
Porch	Open Porch
Porch Area	144 sqft
Patio Area	90 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1683434
Street Address	198 BEACH RD
City	TAVERNIER
State	FL
Zip	33070-2508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	LT 4 LESS THE E 16FT SUNNY HAVEN PB1-185 KEY LARGO OR5-360/61 OR412-749/50 OR837-749 OR870-2262 OR906-1177 OR1029-2483 OR1043-1344 OR1185-43 OR1203-109/10 OR1258-495 OR1462-1260 OR1791-2114 OR2050-2020 OR2510-412/13C/T OR2517-2115 OR2749-1759 OR2915-
Legal Range	38E
Legal Township	62S
Legal Section	34
Legal Subdivision	SUNNY HAVEN
Legal Lot Number	4
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2002
Census Tract	970700

Owner

198 Beach Rd is owned and occupied by an individual who bought it in April 2023.

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

Owner of Record	Individual Name on File
Mailing Address	198 BEACH RD, TAVERNIER, FL 33070-2508
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2023	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Jul 3, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2023 · Amount on File
Deed Sale	Apr 5, 2023 · Amount on File
Prior Sale	Jul 3, 2018 · Amount on File
Deed Document Number	20232412873
Deed Book / Page	3219 / 205
Prior Transfer Date	Feb 24, 2023
Prior Transfer Doc	0002409624
Record Updated	Sep 20, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 5, 2023
Property Address	198 BEACH RD, TAVERNIER, FL 33070-2508
Document Number	0032190205
Book / Page	3219 / 205
Map Reference	MB 1 PG 185
Instrument Date	Apr 3, 2023
Instrument	2412873
Transaction Type	Transfer
Record Updated	Apr 26, 2023
Title Company	CORAL REEF TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,060.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13571 SE 124TH LN, OCKLAWAHA, FL 32179

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 BEACH RD, TAVERNIER, FL 33070-2508

Mortgage

Document Number	0003219207
Date	Apr 5, 2023
Instrument	3219/207

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 3, 2018
Property Address	198 BEACH RD, TAVERNIER, FL 33070-2508
Document Number	0029150181
Book / Page	002915 / 000181
Instrument Date	Jul 1, 2018
Instrument	2176333
Transaction Type	Transfer
Record Updated	Aug 22, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 LITTLE HARBOR WAY DEERFIELD BEACH FL 334413606, DEERFIELD BEACH, FL 33441-3606

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		$490,236 Land $305,410 Building $184,826	$490,236 Land $305,410 Building $184,826
2024	$4,753.00 (+45.09%)
2023	$3,276.00 (+60.51%)	$302,854 (+52.74%) Land $154,489 Building $148,365	$302,854 (+0.4%) Land $154,489 Building $148,365
2022	$2,041.00 Homeowner's exemption	$198,287	$301,655 Land $154,489 Building $147,166

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.

Flood

FEMA maps place 198 Beach Rd 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 375 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	615 units insured incl. 240 condo units
Nearby Flood Claims	168 (1987–2025)
Most Recent Claim	Aug 2025
Claims by Event	Hurricane Irma, Sep 2017 · 104 claims Hurricane Irene, Oct 1999 · 15 claims Hurricane Georges, Sep 1998 · 21 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 198 Beach Rd 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 99.8% of the US · lower than 99.7% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 228 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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