Monroe County property record for 2 Harbor Ln, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 5,278 sqft · built 2002 |
| Lot Size | 0.365 acres (15,880 sqft) |
| Owner | Company Name on Record |
| Last Sale | $2,100,000 (Nov 2018) |
| Tax Bill | $24,111 (2025) |
| Deeds & Mortgages | Nov 2018 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 00571600-000000 |
| Primary APN | 00571600-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 5,278 sqft Living Area |
| Gross Area | 5,672 sqft |
| 1st Floor Area | 3,628 sqft |
| Attic | Attic |
| Attic Area | 306 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plaster |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 15,880 sqft (0.365 acres) |
| Garage Type | Attached |
| Garage Area | 394 sqft |
| Pool Area | 420 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 1,616 sqft |
| Patio Area | 1,170 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1704865 |
|---|---|
| Street Address | 2 HARBOR LN |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3716 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 8 LOT 1 AND PT LOT 5 OCEAN REEF PLAT 3 KEY LARGO PB4-91 OR430-369 OR492-289 OR848-2461 OR848-343 OR899-1330 OR907-2007 OR1289-235 OR1469-554 OR1594-1977 OR2934-1215 |
| Legal Range | 40E |
| Legal Township | 59S |
| Legal Section | 07 |
| Legal Subdivision | OCEAN REEF NO 3 |
| Legal Block | 8 |
| Legal Lot Number | 1,5 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3094 |
| Census Tract | 972700 |
Source: Monroe County records, as of May 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 10191 WINDING RIDGE RD, SAINT LOUIS, MO 63124-1157 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 2, 2018 · Amount on Record |
| Deed Sale | Nov 2, 2018 · Amount on Record |
| Prior Sale | Sep 2, 1999 · Amount on Record |
| Deed Document Number | 20182193015 |
| Deed Book / Page | 2934 / 1215 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 2, 2018 |
| Property Address | 2 HARBOR LN, KEY LARGO, FL 33037-3716 |
| Document Number | 0029341215 |
| Book / Page | 002934 / 001215 |
| Instrument Date | Oct 30, 2018 |
| Instrument | 2193015 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $14,700.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 10191 WINDING RIDGE RD ST LOUIS MO 631241157, ST LOUIS, MO 63124-1157 |
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 | $24,111.00 (+8.97%) | $4,399,561 (+17.08%) Land $2,862,370 Building $1,537,191 | $4,399,561 (+17.08%) Land $2,862,370 Building $1,537,191 |
| 2024 | $22,126.00 (+9.16%) | ||
| 2023 | $20,269.00 (+19.05%) | $3,757,777 (+25.89%) Land $2,322,609 Building $1,435,168 | $3,757,777 (+25.89%) Land $2,322,609 Building $1,435,168 |
| 2022 | $17,025.00 | $2,984,861 Land $1,651,996 Building $1,332,865 | $2,984,861 Land $1,651,996 Building $1,332,865 |
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 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 Record median of 838 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 1,585 units insured incl. 747 condo units |
| Nearby Flood Claims | 78 (2005–2023) |
| Claims Outside the SFHA | 1 of 78 |
| Most Recent Claim | Nov 2023 · 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 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 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 175 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
May also be available: AT&T, T-Mobile.
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