Monroe County property record for 221 Harbor Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,346 sqft · built 2010 |
| Lot Size | 0.658 acres (28,700 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,010,000 (May 2016) |
| Tax Bill | $8,262 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00522160-000000 |
| Primary APN | 00522160-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 3 Stories |
| Building Area | 2,346 sqft Living Area |
| 1st Floor Area | 2,346 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Other |
| Foundation Type | Pile |
| Roof Type | Reinforced Concrete |
| Roof Material | Other |
| Lot Area | 28,700 sqft (0.658 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 736 sqft |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 1,574 sqft |
| Patio Area | 644 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1641383 |
|---|---|
| Old Parcel Number | 32613900522160000000 |
| Street Address | 221 HARBOR DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 5 LT 11 AND ADJ FILL HARBOR SHORES PB3-44 KEY LARGO OR10-70 OR437-632 OR797-842 OR930-969 OR933-756AFF OR933-2478/79 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 32 |
| Legal Subdivision | HARBOR SHORES |
| Legal Block | 5 |
| Legal Lot Number | 11 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2047 |
| 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.
Source: Monroe County records, as of December 5, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 221 HARBOR DR, KEY LARGO, FL 33037-4128 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 25, 2016 · Amount on Record |
| Deed Sale | May 25, 2016 · Amount on Record |
| Prior Sale | Aug 4, 1993 |
| Deed Document Number | 2077046 |
| Deed Book / Page | 2798 / 0801 |
| 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 | $1,009,828 (+5.99%) | $1,489,614 (+2.14%) Land $899,171 Building $590,443 | |
| 2024 | $8,262.00 (+3.26%) | ||
| 2023 | $8,001.00 (+6.25%) Homeowner's exemption | $952,786 (+3%) | $1,458,343 (+29.66%) Land $902,902 Building $555,441 |
| 2022 | $7,530.00 Homeowner's exemption | $925,035 | $1,124,726 Land $563,381 Building $561,345 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% 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 70 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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