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3 Bowen Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 3 Bowen Dr, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,420 sqft · built 1948
Lot Size0.161 acres (6,993 sqft)
OwnerCompany Name on Record
Last Sale$230,000 (Feb 2020)
Tax Bill$4,058 (2025)
Deeds & MortgagesFeb 2026 Re-recorded Document
Feb 2020 Sale
Flood ZoneZone X (moderate risk)
APN00513080-000000

Property Details

APN / Parcel Number

Primary APN00513080-000000
Alternative APNs
  • 12613900513080000000
  • 1632392

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,420 sqft Living Area
1st Floor Area1,420 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1948
Effective Year BuiltEffective 2010
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area6,993 sqft (0.161 acres)
Lot Dimensions140 ft deep x 50 ft wide
PorchFlorida Room
Porch Area544 sqft
Patio Area24 sqft

Utilities, Heating & Cooling

Cooling SystemWall Unit
Heating SystemForced Air with A/C

Location & Zoning

Account Number1632392
Street Address3 BOWEN DR
CityKEY LARGO
StateFL
Zip33037-2908
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRU-1
Legal DescriptionBK 14 LT 3 BOWENS ADDN TO RIVIERA VILLAGE-KEY LARGO PB2-107 G57-181 OR34-497/98 OR598-391 OR825-1253 OR833-1832/34 OR957-2420/21A/G OR962-628 OR973-1139 OR2745-1328/29ORD OR3011-508ORD OR3011-0505
Legal Range39E
Legal Township61S
Legal Section12
Legal SubdivisionBOWENS ADD RIVIERA VILLAGE
Legal Block14
Legal Lot Number3
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2004
Census Tract972700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed AreaWithin 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

Source: Monroe County records, as of September 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing Address98310 OVERSEAS HWY, KEY LARGO, FL 33037-2370
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

DateDocument
Feb 6, 2026Re-recorded Document
Feb 28, 2020Warranty Deed, Transfer
CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 28, 2020 · Amount on Record
Deed SaleFeb 28, 2020 · Amount on Record
Prior SaleJan 1, 2013
Deed Document Number20202257989
Deed Book / Page3011 / 505
Last Transfer DateFeb 1, 2026
Transfer Doc0002531138
Record UpdatedOct 29, 2026

February 2026: Re-recorded Document

Document TypeRe-recorded Document
JurisdictionMONROE FL
Recording DateFeb 6, 2026
Property Address3 BOWEN DR, KEY LARGO, FL 33037-2908
Document Number0033651194
Book / Page3365 / 1194
Instrument DateFeb 1, 2026
Instrument2531371
Record UpdatedMar 4, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address237 LA PALOMA RD, KEY LARGO, FL 33037-4652

Transferred To (Grantee/Buyer)

NameVerified Name
Address98310 OVERSEAS HWY, KEY LARGO, FL 33037-2370

February 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateFeb 28, 2020
Property Address3 BOWEN DR, KEY LARGO, FL 33037-2908
Document Number0030110505
Book / Page003011 / 000505
Instrument DateFeb 26, 2020
Instrument2257989
Transaction TypeTransfer
Record UpdatedJun 1, 2020
Title CompanyCORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Transaction

AmountAmount Recorded
Tax$1,610.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address237 LA PALOMA RD KEY LARGO FL 330374652, KEY LARGO, FL 33037-4652

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,058.00 (+7.9%)$519,258 (+24.21%) Land $312,727 Building $206,531$519,258 (+24.21%) Land $312,727 Building $206,531
2024$3,761.00 (+13.04%)
2023$3,327.00 (+5.79%)$418,065 (-0.48%) Land $240,839 Building $177,226$418,065 (-0.48%) Land $240,839 Building $177,226
2022$3,145.00$420,088 Land $240,839 Building $179,249$420,088 Land $240,839 Building $179,249

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

Flood

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

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 433 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies660 units insured
incl. 227 condo units
Nearby Flood Claims80 (1999–2024)
Claims Outside the SFHA1 of 80
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Ian, Sep 2022 · 11 claims
  • Hurricane Irma, Sep 2017 · 33 claims
  • Hurricane Wilma, Oct 2005 · 13 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

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.04% annual chance
ExposureDirect
burnable vegetation

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 291 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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