1. Home
  2. Florida
  3. Monroe County
  4. Key Largo
  5. Ocean Reef Dr

3 Ocean Reef Dr, Key Largo, FL 33037 Property Records

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

Property Summary

Property TypeSingle Family Home
Details7 bd · 8.5 ba · 7,004 sqft · built 2023
Lot Size0.345 acres (15,008 sqft)
OwnerCompany Name on Record
Last Sale$10,500,000 (Oct 2024)
Tax Bill$57,054 (2025)
Deeds & MortgagesSep 2026 Mortgage
Aug 2021 Construction Loan
Flood ZoneZone AE (high risk)
APN00571670-000200

Property Details

APN / Parcel Number

Primary APN00571670-000200
Alternative APN
  • 9104560

Interior

Bedrooms7 Beds
Full Baths8.5 Baths
Half Baths3 Half Baths
Stories3 Stories
Building Area7,004 sqft Living Area
Gross Area13,029 sqft
FlooringMarble

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Foundation TypePile
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area15,008 sqft (0.345 acres)
Garage TypeAttached
Garage Area6,025 sqft
PorchOpen Porch
Porch Area802 sqft
Patio Area224 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Account Number9104560
Street Address3 OCEAN REEF DR
CityKEY LARGO
StateFL
Zip33037
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 9 LT 1 OCEAN REEF PLAT 3 PB4-91 KEY LARGO OR447-388 OR2603-1665/66 OR2879-1999/2001 OR3032-1367 OR3047-2071 OR3294-2058
Legal Range40E
Legal Township59S
Legal Section07
Legal SubdivisionOCEAN REEF NO 3
Legal Block9
Legal Lot Number1
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group3
Census Block3011
Census Tract972700

Owner

Source: Monroe County records, as of September 23, 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 Address24 DOCKSIDE LN, KEY LARGO, FL 33037-5267
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

DateDocument
Sep 10, 2026Deed of Trust, Mortgage · Conventional Mortgage
SECURITY NATIONAL BANK
Aug 2, 2021Deed of Trust, Mortgage · Construction Mortgage
S&Z RESIDENTIAL LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 2, 2024 · Amount on Record
Deed SaleOct 2, 2024 · Amount on Record
Deed Document Number20242476389
Deed Book / Page3294 / 2058
Record UpdatedOct 29, 2026

September 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Recording DateSep 10, 2026
Property Address3 OCEAN REEF DR, KEY LARGO, FL 33037
Document Number0002560080
Book / Page3401 / 2112
Instrument DateAug 27, 2026
Instrument20262560080
Transaction TypeMortgage
Record UpdatedSep 23, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Liability Partnership, 266

Mortgage

Document Number0002560080,
DateSep 10, 2026
Book Page3401/2112
Instrument20262560080
Lender
NameSECURITY NATIONAL BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term60 Months
DueAug 20, 2031
Interest
Max Rate-1%

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address3 OCEAN REEF DR, KEY LARGO, FL 33037
Transaction TypeMortgage
Record UpdatedMar 7, 2023
Title CompanyFLORIDA TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 950, FORT LAUDERDALE, FL 33302-0950

Mortgage

Document Number0031170331
DateAug 2, 2021
Book Page3117/331
Instrument2333233
Lender
NameS&Z RESIDENTIAL LLC
TypeNon-Lending Institution
AddressFORT LAUDERDALE, FL 33306
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term18 Months
DueFeb 1, 2023

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$57,054.00 (+15.89%)$8,386,365 (+633.13%) Land $2,731,456 Building $5,654,909$8,386,365 (+633.13%) Land $2,731,456 Building $5,654,909
2024$49,231.00 (+824.01%)
2023$5,328.00 (+16.46%)$1,143,910 (+19.79%) Land $1,143,910$1,143,910 (+19.79%) Land $1,143,910
2022$4,575.00$954,959 Land $954,959$954,959 Land $954,959

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation11.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 838 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies1,585 units insured
incl. 747 condo units
Nearby Flood Claims78 (2005–2023)
Claims Outside the SFHA1 of 78
Most Recent ClaimNov 2023 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 73 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 65% of the US · lower than 91% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
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 175 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Fiber		2,000 / 2,000

May also be available: AT&T, T-Mobile.

Nearby Properties on Ocean Reef Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures