Monroe County property record for 2 S Harbor Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 3,506 sqft · built 2002 |
| Lot Size | 0.4 acres (17,436 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,900,000 (Nov 2005) |
| Tax Bill | $15,571 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00572798-000200 |
| Primary APN | 00572798-000200 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,506 sqft Living Area |
| 1st Floor Area | 3,337 sqft |
| Interior Walls | Plaster |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Other |
| Foundation Type | Pile |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 17,436 sqft (0.4 acres) |
| Garage Area | 572 sqft |
| Pool Area | 300 sqft |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 1,909 sqft |
| Patio Area | 2,500 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 8649941 |
|---|---|
| Old Parcel Number | 13594000572798000200 |
| Street Address | 2 S HARBOR DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1 LT 2 REPLAT PORTION OF HARBOR COURSE SEC ONE OCEAN REEF NO 13 PB7-25 (REPLAT BK 1 & PT SOUTH HARBOR DR PB7-3) |
| Legal Range | 40E |
| Legal Township | 59S |
| Legal Section | 13 |
| Legal Subdivision | HARBOR COURSE SEC 1 O.R. #13 REPLAT |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3042 |
| Census Tract | 972700 |
2 S Harbor Dr is owned by an individual who bought it in November 2005.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1010 REVOLUTIONARY DR, WEST CHESTER, PA 19382-8152 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 3, 2005 · Amount on File |
| Deed Sale | Nov 3, 2005 · Amount on File |
| Prior Sale | Jul 27, 2000 · Amount on File |
| Deed Document Number | 1548933 |
| Deed Book / Page | 2162 / 0936 |
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of July 1, 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 | $2,461,620 Land $1,469,018 Building $992,602 | $2,461,620 Land $1,469,018 Building $992,602 | |
| 2024 | $15,571.00 (+10.55%) | ||
| 2023 | $14,085.00 (+21.33%) | $2,432,607 (+32.03%) Land $1,422,778 Building $1,009,829 | $2,432,607 (+32.03%) Land $1,422,778 Building $1,009,829 |
| 2022 | $11,609.00 | $1,842,511 Land $825,211 Building $1,017,300 | $1,842,511 Land $825,211 Building $1,017,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2 S Harbor 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 | 9.0 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 S Harbor Dr is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · lower than 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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