Monroe County property record for 265 Bay Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,020 sqft · built 1958 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $339,000 (Aug 2019) |
| Tax Bill | $3,193 (2024) |
| Deeds & Mortgages | Nov 2023 Mortgage Dec 2021 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00496760-000000 |
| Primary APN | 00496760-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,020 sqft Living Area |
| 1st Floor Area | 1,020 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Flat |
| Roof Material | Composition Shingle |
| Lot Area | 5,000 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 100 ft wide |
| Porch | Florida Room |
| Porch Area | 456 sqft |
| Patio Area | 80 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1614670 |
|---|---|
| Street Address | 265 BAY DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2425 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 1 LOTS 26 AND 27 LAZY LAGOON-KEY LARGO PB2-126 OR14-337 OR817-1309 OR817-1310 OR1217-1318 OR1232-1938 OR1232-1943 OR1262-1651 OR2749-1461 OR2979-1626 OR3149-1190 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 33 |
| Legal Subdivision | LAZY LAGOON |
| Legal Block | 1 |
| Legal Lot Number | 26,27 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1040 |
| 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 8, 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 | 265 BAY DR, KEY LARGO, FL 33037-2425 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 27, 2023 | Deed of Trust, Mortgage · Commercial Mortgage HOMETAP EQUITY PARTNERS LLC |
| Dec 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 18, 2022 | Intrafamily Transfer, Transfer |
| Aug 13, 2019 | Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 13, 2019 · Amount on Record |
| Deed Sale | Aug 13, 2019 · Amount on Record |
| Prior Sale | Jul 7, 2015 · Amount on Record |
| Deed Document Number | 20192232335 |
| Deed Book / Page | 2979 / 1626 |
| Last Transfer Date | Jan 14, 2022 |
| Transfer Doc | 0031491190 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 265 BAY DR, KEY LARGO, FL 33037-2425 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 265 BAY DR, KEY LARGO, FL 33037-2425 |
| Document Number | 0032512037 |
|---|---|
| Date | Nov 27, 2023 |
| Book Page | 3251/2037 |
| Instrument | 2440950 |
| Name | HOMETAP EQUITY PARTNERS LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | BOSTON, MA 02199 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 265 BAY DR, KEY LARGO, FL 33037-2425 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0031460882 |
|---|---|
| Date | Dec 30, 2021 |
| Book Page | 3146/882 |
| Instrument | 2354955 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jan 18, 2022 |
| Property Address | 265 BAY DR, KEY LARGO, FL 33037-2425 |
| Document Number | 0031491190 |
| Book / Page | 3149 / 1190 |
| Map Reference | MB 2 PG 126 |
| Instrument Date | Jan 14, 2022 |
| Instrument | 2357391 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2020 N BAYSHORE DR APT 2509, 2509, MIAMI, FL 33137-5170 |
| Name | Verified Name |
|---|---|
| Address | 265 BAY DR, KEY LARGO, FL 33037-2425 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 13, 2019 |
| Property Address | 265 BAY DR, KEY LARGO, FL 33037-2425 |
| Document Number | 0029791626 |
| Book / Page | 2979 / 1626 |
| Map Reference | MB 2 PG 126 |
| Instrument Date | Aug 9, 2019 |
| Instrument | 2232335 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2022 |
| Title Company | EMPLRE TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,373.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 780 BLOOMER RD, 780, ROCHESTER HILLS, MI 48307-2307 |
| Name | Verified Name |
|---|---|
| Address | 265 BAY DR, KEY LARGO, FL 33037-2425 |
| Document Number | 0029791628 |
|---|---|
| Date | Aug 13, 2019 |
| Instrument | 2979-1628 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
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 | $348,241 (+5.99%) | $499,781 (+26.98%) Land $333,713 Building $166,068 | |
| 2024 | $3,193.00 (+4.79%) | ||
| 2023 | $3,047.00 (+16.61%) Homeowner's exemption | $328,570 (+5.64%) | $393,587 (+7.49%) Land $242,988 Building $150,599 |
| 2022 | $2,613.00 Homeowner's exemption | $311,017 | $366,156 Land $213,856 Building $152,300 |
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 | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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 |
|
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 | 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.
Source: FCC Broadband Data Collection, based on 160 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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