Monroe County property record for 23 Harbor Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,128 sqft · built 1994 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,100,000 (Dec 2024) |
| Tax Bill | $6,365 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00530070-000000 |
| Primary APN | 00530070-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,128 sqft Living Area |
| 1st Floor Area | 1,723 sqft |
| Attic | Attic |
| Attic Area | 378 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| View / Lot | Canal |
| Garage Type | Carport |
| Garage Area | 378 sqft |
| Carport | Carport |
| Carport Area | 378 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 763 sqft |
| Patio Area | 192 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1649295 |
|---|---|
| Street Address | 23 HARBOR DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2563 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 3 LT 11 SUNSET WATERWAYS PB4-31 KEY LARGO OR537-797 OR813-1262 OR841-140 OR1582-1122 OR1665-1619 OR1823-389 OR1888-55 OR2305-2344 OR3305-1985 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 28 |
| Legal Subdivision | SUNSET WATERWAYS |
| Legal Block | 3 |
| Legal Lot Number | 11 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 970400 |
Source: Monroe County records · APN 00530070-000000
Assessment roll updated December 8, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 13127 SW 284TH ST, HOMESTEAD, FL 33033-7378 |
| Owner Type | Individual |
| Vesting | Single Man |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 30, 2024 · Amount on Record |
| Deed Sale | Dec 30, 2024 · Amount on Record |
| Prior Sale | May 15, 2003 · Amount on Record |
| Deed Document Number | 20242484964 |
| Deed Book / Page | 3305 / 1985 |
| Prior Transfer Date | May 21, 2007 |
| Prior Transfer Doc | 0023052344 |
| Record Updated | Sep 20, 2026 |
Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $646,272 (-24.4%) | $935,283 (+9.41%) Land $663,480 Building $271,803 | |
| 2024 | $6,365.00 (+5.77%) | ||
| 2023 | $6,018.00 (+12.59%) | $854,838 (+12.91%) Land $649,800 Building $205,038 | $854,838 (+12.91%) Land $649,800 Building $205,038 |
| 2022 | $5,345.00 | $757,123 Land $547,200 Building $209,923 | $757,123 Land $547,200 Building $209,923 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 Record median of 147 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 151 units insured incl. 4 condo units |
| Nearby Flood Claims | 160 (1979–2022) |
| Claims Outside the SFHA | 3 of 160 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
| Wildfire Risk | Moderate above 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | None beyond ember reach |
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: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless · Fiber, DSL in parts of the area | 100 / 20 |
May also be available: T-Mobile USA.
Based on FCC filings for 380 locations within half a mile of this property.
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