23 Orange Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 23 Orange Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,410 sqft · built 2015
Lot Size	0.131 acres (5,743 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (Aug 2015)
Tax Bill	$4,143 (2024)
Deeds & Mortgages	Jan 2022 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00527470-000000`

Property Details

APN / Parcel Number

Primary APN	`00527470-000000`
Alternative APNs	`28613900527470000000` `1646717`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,410 sqft Living Area
1st Floor Area	1,410 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2020
Exterior Material	Protective Coating
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,743 sqft (0.131 acres)
Garage Type	Carport
Carport	Carport
Carport Area	580 sqft

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	240 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1646717
Old Parcel Number	28613900527470000000
Street Address	23 ORANGE DR
City	KEY LARGO
State	FL
Zip	33037-2559
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 19 LTS 14 AND 15 AMD PLAT OF KEY LARGO PARK PB3-62 KEY LARGO OR78-303 OR634-721 OR822-2005D/C OR1693-1413D/C
Legal Range	39E
Legal Township	61S
Legal Section	28
Legal Subdivision	KEY LARGO PARK AMD
Legal Block	19
Legal Lot Number	14-15
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1035
Census Tract	970500

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

23 Orange Dr is owned and occupied by an individual who bought it in August 2015.

Source: Monroe County records, as of December 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	23 ORANGE DR, KEY LARGO, FL 33037-2559
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage FILO MORTGAGE LLC
Mar 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2015 · Amount on File
Deed Sale	Aug 14, 2015 · Amount on File
Prior Sale	Mar 11, 2013 · Amount on File
Deed Document Number	2041815
Deed Book / Page	2756 / 0517
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	23 ORANGE DR, KEY LARGO, FL 33037-2559
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 ORANGE DR, KEY LARGO, FL 33037-2559

Mortgage

Document Number	0031510741
Date	Jan 26, 2022
Book Page	3151/741
Instrument	2358695

Lender

Name	FILO MORTGAGE LLC
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	23 ORANGE DR, KEY LARGO, FL 33037-2559
Document Number	0030160025
Instrument Date	Mar 11, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	23 ORANGE DR KEY LARGO FL 330372559, KEY LARGO, FL 33037-2559

Mortgage

Document Number	0030160025
Date	Mar 30, 2020
Book Page	003016/000025
Instrument	2261769

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 29, 2050

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$505,250	$685,982 Land $250,969 Building $435,013
2024	$4,143.00 (+20.12%)
2023	$3,449.00 (+6.25%) Homeowner's exemption	$411,869 (+3%)	$566,508 (-0.64%) Land $237,760 Building $328,748
2022	$3,246.00 Homeowner's exemption	$399,873	$570,139 Land $237,760 Building $332,379

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 23 Orange Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 177 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	204 units insured incl. 27 condo units
Nearby Flood Claims	50 (1984–2025)
Claims Outside the SFHA	8 of 50
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims Hurricane Wilma, Oct 2005 · 20 claims Hurricane Georges, Sep 1998 · 9 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

The area around 23 Orange Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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