3 Oleander Ave, Key Largo, FL 33037 Property Records

Monroe County property record for 3 Oleander Ave, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 1986
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$965,000 (May 2026)
Tax Bill	$4,950 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00565130-000000`

Property Details

APN / Parcel Number

Primary APN	`00565130-000000`
Alternative APNs	`29604000565130000000` `1692221`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,680 sqft Living Area
1st Floor Area	1,680 sqft
Attic	Attic
Attic Area	600 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	600 sqft
Carport	Carport
Carport Area	600 sqft

Exterior Amenities

Pool Area	512 sqft
Porch	Slab
Porch Area	1,221 sqft
Patio Area	2,014 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1692221
Street Address	3 OLEANDER AVE
City	KEY LARGO
State	FL
Zip	33037-3232
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 2 LT 3 GULFSTREAM SHORES PB3-61 KEY LARGO OR59-17/18 OR846-2208 OR850-476AFF OR850-477 OR1229-1701/02 OR1231-677/83FJ OR1544-1743/44C/T OR1555-1159/60 OR2613-546/47 OR2870-879/80Q/C
Legal Range	40E
Legal Township	60S
Legal Section	29
Legal Subdivision	GULFSTREAM SHORES
Legal Block	2
Legal Lot Number	3
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3065
Census Tract	972700

Historic Designation

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.

Owner

3 Oleander Ave is owned and occupied by an individual who bought it in May 2026.

Source: Monroe County records, as of May 29, 2026

Owner of Record	Individual Name on File
Mailing Address	3 OLEANDER AVE, KEY LARGO, FL 33037-3232
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
May 21, 2026	Warranty Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION
May 21, 2026	Warranty Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Aug 23, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2026 · Amount on File
Deed Sale	May 21, 2026 · Amount on File
Prior Sale	Feb 12, 2013 · Amount on File
Deed Document Number	20262544382
Deed Book / Page	3382 / 100
Prior Transfer Date	Aug 14, 2017
Prior Transfer Doc	0028700879
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 21, 2026
Property Address	3 OLEANDER AVE, KEY LARGO, FL 33037-3232
Document Number	0033820100
Book / Page	3382 / 100
Instrument Date	May 13, 2026
Instrument	20262544382
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	COASTAL TITLE, COASTAL TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$682,255.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 OLEANDER AVE, KEY LARGO, FL 33037-3232

Mortgage

Document Number	0002544384,
Date	May 21, 2026
Instrument	20262544384

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 21, 2026
Property Address	3 OLEANDER AVE, KEY LARGO, FL 33037-3232
Document Number	0002544382
Book / Page	3382 / 100
Instrument Date	May 13, 2026
Instrument	20262544382
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	COASTAL TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$682,255.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 OLEANDER AVE, KEY LARGO, FL 33037-3232

Mortgage

Document Number	0002544384,
Date	May 21, 2026
Instrument	20262544384

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Aug 23, 2017
Property Address	3 OLEANDER AVE, KEY LARGO, FL 33037-3232
Document Number	0028700879
Book / Page	002870 / 000879
Instrument Date	Aug 14, 2017
Instrument	2136168
Transaction Type	Transfer
Record Updated	Sep 13, 2017
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	3325 NE 38TH ST FORT LAUDERDALE FL 333086438, FORT LAUDERDALE, FL 33308-6438

Tax Assessment & Valuation

The 2025 property tax bill for 3 Oleander Ave was $4,950, up 7.8% 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	$4,950.00 (+7.82%)	$606,073 Land $307,500 Building $298,573	$606,073 Land $307,500 Building $298,573
2024	$4,591.00 (+4.27%)
2023	$4,403.00 (+15.56%)	$632,592 (+18.92%) Land $345,000 Building $287,592	$632,592 (+18.92%) Land $345,000 Building $287,592
2022	$3,810.00	$531,953 Land $270,000 Building $261,953	$531,953 Land $270,000 Building $261,953

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

Flood

FEMA maps place 3 Oleander Ave 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	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 838 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	1,585 units insured incl. 747 condo units
Nearby Flood Claims	78 (2005–2023)
Claims Outside the SFHA	1 of 78
Most Recent Claim	Nov 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

Wildfire risk around 3 Oleander Ave is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · lower than 77% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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