3 Harbor Ln, Key Largo, FL 33037 Property Records

Monroe County property record for 3 Harbor Ln, Key Largo, FL 33037 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 7 ba · 7,331 sqft · built 2009
Lot Size	0.355 acres (15,475 sqft)
Owner	Company Name on File
Tax Bill	$31,414 (2025)
Deeds & Mortgages	Feb 2020 Transfer
Flood Zone	Zone AE (high risk)
APN	`00571520-000000`

Property Details

APN / Parcel Number

Primary APN	`00571520-000000`
Alternative APNs	`07594000571520000000` `1704784`

Interior

Bedrooms	4 Beds
Full Baths	7 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	7,331 sqft Living Area
1st Floor Area	5,484 sqft
Attic	Attic
Attic Area	1,289 sqft
Flooring	Ceramic Tile
Interior Walls	Plaster
Elevator	Elevator

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2015
Exterior Material	Other
Construction Type	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	15,475 sqft (0.355 acres)
View / Lot	Canal
Garage Type	Carport
Garage Area	1,289 sqft
Carport	Carport
Carport Area	1,289 sqft

Exterior Amenities

Pool Area	300 sqft
Porch	Slab
Porch Area	1,978 sqft
Patio Area	1,586 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1704784
Street Address	3 HARBOR LN
City	KEY LARGO
State	FL
Zip	33037-3715
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 7 PT LT 4 AND ALL LT 5 OCEAN REEF PLAT 3 PB4-91 KEY LARGO OR396-977 OR924-1027 OR1529-1344 OR1529-1347 OR1820-1071 OR1820-1076 OR1820-1081 OR1820-1085 OR1965-709 OR2053-379 OR2637-2416 OR3010-2145
Legal Range	40E
Legal Township	59S
Legal Section	07
Legal Subdivision	OCEAN REEF NO 3
Legal Block	7
Legal Lot Number	4,5
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3092
Census Tract	972700

Owner

Source: Monroe County records · APN 00571520-000000

Assessment roll updated December 8, 2025 · Last verified May 2026

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

Owner of Record	Company Name on File
Mailing Address	3 HARBOR LN, KEY LARGO, FL 33037-3715
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 27, 2020
Deed Sale	Feb 27, 2020
Prior Sale	Jul 05, 2013 · Amount on Record
Deed Document Number	20202257663
Deed Book / Page	3010 / 2145
Prior Transfer Date	Feb 18, 2020
Prior Transfer Doc	0030102145
Record Updated	Jun 08, 2026

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Feb 27, 2020
Property Address	3 HARBOR LN, KEY LARGO, FL 33037-3715
Document Number	0030102145
Book / Page	003010 / 002145
Instrument Date	Feb 18, 2020
Instrument	2257663
Transaction Type	Transfer
Record Updated	Mar 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3 HARBOR LN KEY LARGO FL 330373715, KEY LARGO, FL 33037-3715

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$31,414.00 (+3.69%) Homeowner's exemption	$4,618,612 (+5.99%)	$13,019,290 (+6.33%) Land $7,169,877 Building $5,849,413
2024	$30,295.00 (+2.06%)
2023	$29,683.00 (+4.76%) Homeowner's exemption	$4,357,717 (+3%)	$12,243,713 (+98.51%) Land $8,089,092 Building $4,154,621
2022	$28,335.00 Homeowner's exemption	$4,230,794	$6,167,731 Land $2,537,033 Building $3,630,698

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879727003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 838 individual NFIP policies nearby
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	1,585 units insured (747 under condo master policies) 274 of 838 individual policies on primary residences
Nearby Flood Claims	78 (2005–2023)
Claims Outside the SFHA	1 of 78
Most Recent Claim	Nov 2023, rainfall accumulation
Flood Events	Hurricane Irma (Sep 2017), 73 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.