237 S Bay Harbor Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 237 S Bay Harbor Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 842 sqft · built 1961
Lot Size	0.116 acres (5,069 sqft)
Owner	2 Individual Names on File
Last Sale	$25,500 (Feb 1975)
Tax Bill	$1,041 (2025)
Deeds & Mortgages	Apr 2026 Sale Apr 2026 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`00490020-000000`

Property Details

APN / Parcel Number

Primary APN	`00490020-000000`
Alternative APNs	`13623800490020000000` `1605069`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	842 sqft Living Area
1st Floor Area	842 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Flat
Roof Material	Asphalt
Lot Area	5,069 sqft (0.116 acres)
Lot Dimensions	101 ft deep x 50 ft wide
Porch	Florida Room
Porch Area	192 sqft
Patio Area	57 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1605069
Street Address	237 S BAY HARBOR DR
City	KEY LARGO
State	FL
Zip	33037-2006
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 3 LT 20 AMENDED PLAT OF BAY HARBR KEY LARGO PB2-91 OR620-264 OR2293-2469 OR3149-1469
Legal Range	38E
Legal Township	62S
Legal Section	13
Legal Subdivision	BAY HARBOR AMD
Legal Block	3
Legal Lot Number	20
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1004
Census Tract	970600

Owner

237 S Bay Harbor Dr is owned and occupied by two individuals who acquired it in January 2022.

Source: Monroe County records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	235 S BAY HARBOR DR, KEY LARGO, FL 33037-2006
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Apr 6, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Apr 6, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Jan 18, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 1975 · Amount on File
Deed Sale	Feb 1, 1975 · Amount on File
Deed Book / Page	620 / 264
Last Transfer Date	Jan 11, 2022
Transfer Doc	0031491469
Record Updated	Sep 20, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE FL
Recording Date	Apr 6, 2026
Property Address	237 S BAY HARBOR DR, KEY LARGO, FL 33037-2006
Document Number	0033740840
Book / Page	3374 / 840
Instrument Date	Mar 15, 2026
Instrument	20262538318
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	235 S BAY HARBOR DR, KEY LARGO, FL 33037-2006

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE FL
Recording Date	Apr 6, 2026
Property Address	237 S BAY HARBOR DR, KEY LARGO, FL 33037-2006
Document Number	0002538318
Book / Page	3374 / 840
Instrument Date	Mar 15, 2026
Instrument	20262538318
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	235 S BAY HARBOR DR, KEY LARGO, FL 33037-2006

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Jan 18, 2022
Property Address	237 S BAY HARBOR DR, KEY LARGO, FL 33037-2006
Document Number	0031491469
Book / Page	3149 / 1469
Map Reference	MB 2 PG 91
Instrument Date	Jan 11, 2022
Instrument	2357453
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 S BAY HARBOR DR, KEY LARGO, FL 33037-2006

Tax Assessment & Valuation

The 2025 property tax bill for 237 S Bay Harbor Dr was $1,041 with exemptions applied, up 6.7% from the year before.

Source: Monroe County assessment roll, as of December 8, 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	$1,041.00 (+6.66%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$130,017	$353,957 Land $243,312 Building $110,645
2024	$976.00 (+13.89%)
2023	$857.00 (-0.35%)	$122,673 (+3%)	$497,521 (+29.74%) Land $405,520 Building $92,001
2022	$860.00	$119,100	$383,476 Land $291,468 Building $92,008

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

Flood

FEMA maps place 237 S Bay Harbor 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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 272 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	272 in force
Nearby Flood Claims	100 (1981–2024)
Claims Outside the SFHA	9 of 100
Most Recent Claim	May 2024 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 42 claims Hurricane Wilma, Oct 2005 · 37 claims Hurricane Andrew, Aug 1992 · 4 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

Wildfire risk around 237 S Bay Harbor Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 216 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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