Monroe County property record for 20 Ocean Front Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,116 sqft · built 2000 |
| Lot Size | 3.22 acres (140,484 sqft) |
| Owner | Owner Name on File |
| Last Sale | $1,245,000 (Mar 2011) |
| Tax Bill | $8,879 (2024) |
| Flood Zone | Zone VE (high risk) |
| APN | 00497900-000000 |
| Primary APN | 00497900-000000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 3,116 sqft Living Area |
| 1st Floor Area | 2,932 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Other |
| Foundation Type | Pile |
| Roof Type | Reinforced Concrete |
| Roof Material | Other |
| Lot Area | 140,484 sqft (3.22 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 2,081 sqft |
| Patio Area | 294 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1615765 |
|---|---|
| Street Address | 20 OCEAN FRONT DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4240 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1 LT 31 AMENDED AND EXTENDED PLAT OF KEY LARGO OCEAN SHORE PB4-18 KEY LARGO S1/2 LOT 30 CJ DOCKET 10-12 OR554-832 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 33 |
| Legal Subdivision | AMENDED & EXTENDED PLAT OF KEY LARGO OCE |
| Legal Block | 1 |
| Legal Lot Number | 30-31 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 970500 |
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.
The current owner of 20 Ocean Front Dr bought it in March 2011.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 20 OCEAN FRONT DR, KEY LARGO, FL 33037-4240 |
| Occupancy | Owner Occupied |
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 | Mar 16, 2011 · Amount on File |
| Deed Sale | Mar 16, 2011 · Amount on File |
| Prior Sale | Jun 12, 2002 · Amount on File |
| Deed Document Number | 1827762 |
| Deed Book / Page | 2508 / 2371 |
| 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 | $1,134,711 | $3,520,385 Land $2,732,414 Building $787,971 | |
| 2024 | $8,879.00 (+3.36%) | ||
| 2023 | $8,590.00 (+6.66%) Senior Citizen's exemption | $1,070,614 (+3%) | $3,004,992 (+30.02%) Land $2,245,080 Building $759,912 |
| 2022 | $8,054.00 Senior Citizen's exemption | $1,039,432 | $2,311,188 Land $1,542,616 Building $768,572 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Ocean Front Dr in Zone VE, a high-risk coastal 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 VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 15.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 595 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 839 units insured incl. 244 condo units |
| Nearby Flood Claims | 304 (1983–2025) |
| Claims Outside the SFHA | 8 of 304 |
| Most Recent Claim | Oct 2025 · 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 20 Ocean Front Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% 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.
Source: FCC Broadband Data Collection, based on 425 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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