Monroe County property record for 2 Ocean Reef Dr, Key Largo, FL 33037
| Property Type | Residential Vacant Land |
|---|---|
| Details | 2 bd · 2 ba · 3,916 sqft · built 1986 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | Company Name on File |
| Last Sale | $330,000 (May 1986) |
| Tax Bill | $548 (2024) |
| Deeds & Mortgages | Apr 2025 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00571130-000000 |
| Primary APN | 00571130-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 3,916 sqft Living Area |
| Gross Area | 4,406 sqft |
| 1st Floor Area | 3,916 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Plaster |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Other |
| Construction Type | Concrete |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 15,000 sqft (0.344 acres) |
| Lot Dimensions | 100 ft deep x 150 ft wide |
| Garage Type | Attached |
| Garage Area | 490 sqft |
| Pool Area | 450 sqft |
| Porch | Florida Room |
| Porch Area | 1,887 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1704393 |
|---|---|
| Street Address | 2 OCEAN REEF DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3732 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | IS |
| Legal Description | BK 4 LT 10 OCEAN REEF PLAT #3 PB4-91 KEY LARGO OR458-67 OR675-766 OR826-1537 OR976-2136 OR2164-2388Q/C |
| Legal Range | 40E |
| Legal Township | 59S |
| Legal Section | 07 |
| Legal Subdivision | OCEAN REEF NO 3 |
| Legal Block | 4 |
| Legal Lot Number | 10 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3093 |
| Census Tract | 972700 |
2 Ocean Reef Dr, residential vacant land, is owned by a company that acquired it in March 2025.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 50 BARRACUDA LN, KEY LARGO, FL 33037-3733 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 1986 · Amount on File |
| Deed Sale | May 1, 1986 · Amount on File |
| Prior Sale | Feb 1, 1981 · Amount on File |
| Deed Book / Page | 976 / 2136 |
| Last Transfer Date | Mar 31, 2025 |
| Transfer Doc | 0033191566 |
| Record Updated | Jun 8, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 2, 2025 |
| Property Address | 2 OCEAN REEF DR, KEY LARGO, FL 33037-3732 |
| Document Number | 0033191566 |
| Book / Page | 3319 / 1566 |
| Map Reference | MB 4 PG 91 |
| Instrument Date | Mar 31, 2025 |
| Instrument | 2495631 |
| Record Updated | Dec 8, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 50 BARRACUDA LN, KEY LARGO, FL 33037-3733 |
| Name | Verified Name |
|---|---|
| Address | 50 BARRACUDA LN, KEY LARGO, FL 33037-3733 |
| Document Number | 0033191572 |
|---|---|
| Date | Apr 2, 2025 |
| Instrument | 3319/1572 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
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 | $2,730,000 Land $2,730,000 | $2,730,000 Land $2,730,000 | |
| 2024 | $548.00 (+19.91%) | ||
| 2023 | $457.00 (+2.47%) Homeowner's exemption | $2,802,434 (+29.43%) Land $2,215,200 Building $587,234 | $2,802,434 (+29.43%) Land $2,215,200 Building $587,234 |
| 2022 | $446.00 Homeowner's exemption | $2,165,238 Land $1,575,600 Building $589,638 | $2,165,238 Land $1,575,600 Building $589,638 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2 Ocean Reef 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 | 11.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 2 Ocean Reef Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures