Monroe County property record for 35 Ocean Reef Dr, Key Largo, FL 33037
| Property Type | Condominium |
|---|---|
| Details | 1 bd · 2,700 sqft · built 1971 |
| Lot Size | 0.063 acres (2,745 sqft) |
| Owner | Owner Name on File |
| Last Sale | $5,000,000 (Apr 2014) |
| Tax Bill | $27,914 (2024) |
| Flood Zone | Zone VE (high risk) |
| APN | 00569500-000095 |
| Primary APN | 00569500-000095 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Building Area | 2,700 sqft Living Area |
| Year Built | Built 1971 |
|---|---|
| Lot Area | 2,745 sqft |
| Account Number | 8712651 |
|---|---|
| Old Parcel Number | 07594100569500000095 |
| Street Address | 35 OCEAN REEF DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5263 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | OCEAN REEF PLAT 1 PB4-90 KEY LARGO PT OF TR D (AKA PRESIDENTIAL SUITE 3RD FLOOR 100 BLDG OCEAN REEF FROM SURVEY 7/85 KNOWN AS |
| Legal Range | 41E |
| Legal Township | 59S |
| Legal Section | 07 |
| Legal Subdivision | OCEAN REEF NO 1 RESUBD AREA A |
| Legal Tract | D |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3054 |
| Census Tract | 972700 |
The current owner of 35 Ocean Reef Dr bought it in April 2014.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 601 CARLSON PKWY STE 1120, 1120, MINNETONKA, MN 55305-5220 |
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 | Apr 4, 2014 · Amount on File |
| Deed Sale | Apr 4, 2014 · Amount on File |
| Prior Sale | Dec 19, 2012 |
| Deed Document Number | 1975172 |
| Deed Book / Page | 2678 / 0142 |
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of July 1, 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 | $4,856,250 Building $4,856,250 | $4,856,250 Building $4,856,250 | |
| 2024 | $27,914.00 (+3.71%) | ||
| 2023 | $26,915.00 (+22.27%) | $4,856,250 (+32.87%) Building $4,856,250 | $4,856,250 (+32.87%) Building $4,856,250 |
| 2022 | $22,013.00 | $3,655,000 Building $3,655,000 | $3,655,000 Building $3,655,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 35 Ocean Reef Dr in Zone VE, a high-risk coastal 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 VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 12.0 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 35 Ocean Reef Dr is moderate, ranking above 54% 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 54% of the US · lower than 74% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
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