Monroe County property record for 3 S Harbor Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 5,968 sqft · built 1989 |
| Lot Size | 0.392 acres (17,090 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,050,000 (May 2011) |
| Tax Bill | $14,546 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00572798-000300 |
| Primary APN | 00572798-000300 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 5,968 sqft Living Area |
| Gross Area | 6,649 sqft |
| 1st Floor Area | 3,164 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wood |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Other |
| Construction Type | Concrete |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 17,090 sqft (0.392 acres) |
| Garage Type | Attached |
| Garage Area | 681 sqft |
| Pool Area | 450 sqft |
| Porch | Florida Room |
| Porch Area | 2,055 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 8649959 |
|---|---|
| Street Address | 3 S HARBOR DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 1 LT 3 REPLAT PORTION OF HARBOR COURSE SEC ONE OCEAN REEF NO 13 PB7-25 (REPLAT BK 1 AND PT SOUTH HARBOR DR PB7-3) OR884-2221/27 OR1036-1963/64 OR1124-2398 OR1166-1942 OR1213-876/77 OR1213-878/79 OR1213-880/81 OR1503-1583/95TR/AFF OR1503-1596/98 OR |
| Legal Range | 40E |
| Legal Township | 59S |
| Legal Section | 13 |
| Legal Subdivision | HARBOR COURSE SEC 1 O.R. #13 REPLAT |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3042 |
| Census Tract | 972700 |
3 S Harbor Dr is owned by a company that bought it in May 2011.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 4635 NEWARK RD, COCHRANVILLE, PA 19330-1604 |
| Owner Type | Company |
| Vesting | Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 27, 2011 · Amount on File |
| Deed Sale | May 27, 2011 · Amount on File |
| Prior Sale | Apr 18, 2002 · Amount on File |
| Deed Document Number | 20111837573 |
| Deed Book / Page | 2519 / 1250 |
| Prior Transfer Date | Jul 23, 2008 |
| Prior Transfer Doc | 0023751811 |
| Record Updated | Jun 8, 2026 |
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 | $2,301,305 Land $1,439,867 Building $861,438 | $2,301,305 Land $1,439,867 Building $861,438 | |
| 2024 | $14,546.00 (+11.09%) | ||
| 2023 | $13,094.00 (+22.45%) | $2,240,044 (+34.94%) Land $1,394,544 Building $845,500 | $2,240,044 (+34.94%) Land $1,394,544 Building $845,500 |
| 2022 | $10,693.00 | $1,660,014 Land $808,836 Building $851,178 | $1,660,014 Land $808,836 Building $851,178 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 S Harbor Dr 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 | 9.0 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 |
|
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 risk around 3 S Harbor Dr is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · lower than 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | None beyond 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 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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