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2 Osprey Ln, Key Largo, FL 33037 Property Records

Monroe County property record for 2 Osprey Ln, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details4 bd · 6 ba · 2,555 sqft · built 1988
Lot Size1.33 acres (58,165 sqft)
OwnerCompany Name on Record
Last Sale$11,400,000 (Apr 2021)
Tax Bill$100,869 (2023)
Deeds & MortgagesApr 2021 Sale
Aug 2019 Loan Modification
+ 1 more
Flood ZoneZone AE (high risk)
APN00569446-000400

Property Details

APN / Parcel Number

Primary APN00569446-000400
Alternative APNs
  • 05594100569446000400
  • 8691327

Interior

Bedrooms4 Beds
Full Baths6 Baths
Half Baths1 Half Bath
Stories3 Stories
Building Area2,555 sqft Living Area
1st Floor Area2,560 sqft
Interior WallsPlaster
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 2019
Exterior MaterialOther
Construction TypeConcrete
Foundation TypePile
Roof TypeCathedral/Clerestory
Roof MaterialTile
Lot Area58,165 sqft (1.33 acres)
Garage Area1,949 sqft

Exterior Amenities

Pool Area600 sqft
PorchEnclosed Porch
Porch Area3,676 sqft
Deck Area4,000 sqft
Patio Area128 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number8691327
Old Parcel Number05594100569446000400
Street Address2 OSPREY LN
CityKEY LARGO
StateFL
Zip33037-5303
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 1 LT 4 SUNRISE CAY III OCEAN REEF PLAT NO 15 REPLAT REPLAT PB7-37 S5-T59S-R41E OR978-835 OR1038-1277/79 OR1077-855C
Legal Range41E
Legal Township59S
Legal Section05
Legal SubdivisionSUNRISE CAY III OCEAN REEF PLAT 15
Legal Block1
Legal Lot Number4
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group3
Census Block3059
Census Tract972700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed AreaWithin 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 December 5, 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 RecordCompany Name on Record
Mailing Address2 OSPREY LN, KEY LARGO, FL 33037-5303
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Apr 5, 2021Warranty Deed, Transfer
REEF TITLE COMPANY LLC
Aug 21, 2019Loan Modification, Mortgage · Line of Credit
NORTHERN TR
Oct 4, 2017Loan Modification, Mortgage · Line of Credit
NORTHERN TR

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 1, 2021 · Amount on Record
Deed SaleApr 1, 2021 · Amount on Record
Prior SaleMay 8, 2007 · Amount on Record
Deed Document Number0030861964
Deed Book / Page2632 / 2207
Prior Transfer DateJun 11, 2013
Prior Transfer Doc1936422
Record UpdatedJun 8, 2026

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateApr 5, 2021
Property Address2 OSPREY LN, KEY LARGO, FL 33037-5303
Document Number0030861964
Book / Page3086 / 1964
Map ReferenceMB 7 PG 37
Instrument DateApr 5, 2021
Instrument2312041
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyREEF TITLE COMPANY LLC

Transaction

AmountAmount Recorded
Tax$79,800.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address24 DOCKSIDE LN, 24, KEY LARGO, FL 33037-5267

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust
Address2 OSPREY LN, KEY LARGO, FL 33037-5303

August 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE FL
Recording DateAug 21, 2019
Property Address2 OSPREY LN, KEY LARGO, FL 33037-5303
Document Number0029802377
Book / Page002980 / 002377
Instrument DateAug 14, 2019
Instrument2233540
Transaction TypeMortgage
Record UpdatedSep 9, 2019
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2 OSPREY LN KEY LARGO FL 330375303, KEY LARGO, FL 33037-5303

Mortgage

Document Number29802377
DateAug 21, 2019
Book Page002980/002377
Instrument2233540
Lender
NameNORTHERN TR
Address50 S LA SALLE ST, CHICAGO, IL 60603-1008
Agreement
TypeLine of Credit
AmountAmount Recorded
Term84 Months
DueAug 20, 2026
Interest
Rate TypeAdjustable Rate

October 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE FL
Recording DateOct 4, 2017
Property Address2 OSPREY LN, KEY LARGO, FL 33037-5303
Document Number0028731647
Book / Page002873 / 001647
Instrument DateAug 14, 2017
Instrument2138805
Transaction TypeMortgage
Record UpdatedNov 1, 2017

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2 OSPREY LN KEY LARGO FL 330375303, KEY LARGO, FL 33037-5303

Mortgage

Document Number28731647
DateOct 4, 2017
Book Page002873/001647
Instrument2138805
Lender
NameNORTHERN TR
Address50 S LA SALLE ST, CHICAGO, IL 60603-1008
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueOct 3, 2027
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$19,844,357 (+9.06%) Land $17,549,694 Building $2,294,663$19,844,357 (+9.06%) Land $17,549,694 Building $2,294,663
2023$100,869.00 (+34.52%)$18,195,635 (+62.41%) Land $15,951,694 Building $2,243,941$18,195,635 (+62.41%) Land $15,951,694 Building $2,243,941
2022$74,985.00$11,203,769 Land $8,963,424 Building $2,240,345$11,203,769 Land $8,963,424 Building $2,240,345

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 838 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies1,585 units insured
incl. 747 condo units
Nearby Flood Claims78 (2005–2023)
Claims Outside the SFHA1 of 78
Most Recent ClaimNov 2023 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 73 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 RiskLow
lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
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 12 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Fiber		1,200 / 35
AT&T
Fixed Wireless		100 / 20

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