20 Dolphin Ln, Key Largo, FL 33037 Property Records

Monroe County property record for 20 Dolphin Ln, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	5 bd · 7 ba · 12,327 sqft · built 1996
Lot Size	0.567 acres (24,710 sqft)
Owner	2 Company Names on Record
Last Sale	$10,500,000 (Aug 2018)
Tax Bill	$64,341 (2023)
Deeds & Mortgages	Mar 2026 Sale Aug 2018 Sale
Flood Zone	Zone VE (high risk)
APN	`00569441-002000`

Property Details

APN / Parcel Number

Primary APN	`00569441-002000`
Alternative APNs	`07594100569441002000` `1698474`

Interior

Bedrooms	5 Beds
Full Baths	7 Baths
Half Baths	2 Half Baths
Stories	3 Stories
Building Area	12,327 sqft Living Area
Gross Area	14,239 sqft
1st Floor Area	8,164 sqft
Attic	Attic
Attic Area	1,745 sqft
Basement Area	1,205 sqft
Flooring	Marble
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2013
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Pile
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	24,710 sqft (0.567 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	1,912 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	821 sqft
Patio Area	4,435 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1698474
Street Address	20 DOLPHIN LN
City	KEY LARGO
State	FL
Zip	33037-5214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	LT 20 ANGELFISH CAY-OCEAN REEF PLAT NO 5 PB6-17 OR510-473 OR873-539 OR948-1297AFF OR948-1318 OR1056-734 OR1272-2405 OR1275-1196/97 OR2669-819LET/ADM OR2764-2125D/C OR2922-1472/74
Legal Range	41E
Legal Township	59S
Legal Section	07
Legal Subdivision	ANGELFISH CAY PLAT #5
Legal Lot Number	20
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3050
Census Tract	972700

Historic Designation

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

Listed Area	Within 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 April 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	8044 MONTGOMERY RD, 480, CINCINNATI, OH 45236-2925
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Aug 17, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2018 · Amount on Record
Deed Sale	Aug 17, 2018 · Amount on Record
Prior Sale	Mar 11, 1999 · Amount on Record
Deed Document Number	20182853
Deed Book / Page	2922 / 1472
Prior Transfer Date	Sep 9, 1993
Prior Transfer Doc	1272002405
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 25, 2026
Property Address	20 DOLPHIN LN, KEY LARGO, FL 33037-5214
Document Number	0033721691
Book / Page	3372 / 1691
Map Reference	MB 6 PG 17
Instrument Date	Mar 19, 2026
Instrument	2537029
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8049 BRILL RD, CINCINNATI, OH 45243-3939

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8044 MONTGOMERY RD STE 480, 480, CINCINNATI, OH 45236-2925
Mail Care Of	SUMMER HILL INC

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 17, 2018
Property Address	20 DOLPHIN LN, KEY LARGO, FL 33037-5214
Document Number	0029221472
Book / Page	002922 / 001472
Instrument Date	Aug 15, 2018
Instrument	2182853
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$514.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8044 MONTGOMERY RD #480 CINCINNATI OH 452362925, 480, CINCINNATI, OH 45236-2925

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		$17,844,440 (+88.16%) Land $14,690,095 Building $3,154,345	$17,844,440 (+10.74%) Land $14,690,095 Building $3,154,345
2023	$64,341.00 (+4.72%) Senior Citizen's exemption	$9,483,615 (+3%)	$16,113,868 (+43.65%) Land $13,205,889 Building $2,907,979
2022	$61,441.00 Senior Citizen's exemption	$9,207,394	$11,217,306 Land $9,193,973 Building $2,023,333

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 Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 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	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 Risk	Low lower than 98% of the US · lower than 97.6% 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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber · Cable in parts of the area	2,000 / 2,000
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

Cell Coverage

4G LTE only, no 5G reported

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