Monroe County property record for 23 S Island Dr, Key Largo, FL 33037
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 3 ba · 4,568 sqft · built 1988 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Company Name on File |
| Last Sale | $707,500 (Aug 1992) |
| Tax Bill | $12,911 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 00080020-000223 |
| Primary APN | 00080020-000223 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Units | 2 Units |
| Stories | 3 Stories |
| Building Area | 4,568 sqft Living Area |
| Gross Area | 4,683 sqft |
| 1st Floor Area | 2,420 sqft |
| Attic | Attic |
| Attic Area | 336 sqft |
| Basement Area | 1,194 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Other |
| Construction Type | Wood |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 2,178 sqft (0.05 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 115 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 1,069 sqft |
| Deck Area | Deck Area |
| Patio Area | 203 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 8753128 |
|---|---|
| Street Address | 23 S ISLAND DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3606 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | DR |
| Legal Description | UNIT 23 ANGLERS CLUB, A CONDO OR1068-219 OR1223-412/13 OR2720-1299 |
| Legal Range | 40E |
| Legal Township | 59S |
| Legal Section | 13 |
| Legal Subdivision | ANGLERS CLUB CONDO |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3041 |
| Census Tract | 972700 |
23 S Island Dr, a condominium, is owned by a company that acquired it in November 2014 and is owner-occupied.
Source: Monroe County records, as of May 4, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 23 S ISLAND DR, KEY LARGO, FL 33037-3606 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
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 | Aug 1, 1992 · Amount on File |
| Deed Sale | Aug 1, 1992 · Amount on File |
| Prior Sale | Sep 1, 1988 · Amount on File |
| Deed Book / Page | 1223 / 412 |
| Last Transfer Date | Nov 21, 2014 |
| Transfer Doc | 0027201299 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 23 S Island Dr was $12,911 with a homeowner's exemption, up 3.8% from the year before.
Source: Monroe County assessment roll, as of December 8, 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 | $12,911.00 (+3.77%) Homeowner's exemption | $1,871,019 | $4,423,620 Land $3,443,963 Building $979,657 |
| 2024 | $12,442.00 (+2.5%) | ||
| 2023 | $12,138.00 (+4.73%) Homeowner's exemption | $1,765,330 (+3%) | $3,979,628 (-0.01%) Land $3,130,875 Building $848,753 |
| 2022 | $11,590.00 Homeowner's exemption | $1,713,913 | $3,979,963 Land $3,122,708 Building $857,255 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 S Island Dr in Zone AE, a high-risk 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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 11.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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 |
|
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 23 S Island Dr is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 93 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 | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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