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  5. E Ocean Dr

390 E Ocean Dr, Key Colony Beach, FL 33051 Property Records

Monroe County property record for 390 E Ocean Dr, Key Colony Beach, FL 33051

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,100 sqft · built 1992
Lot Size0.083 acres (3,620 sqft)
Owner2 Trust Names on File
Last Sale$500,000 (May 2022)
Tax Bill$5,647 (2024)
Deeds & MortgagesJan 2024 Transfer
May 2022 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00073090-000100

Property Details

APN / Parcel Number

Primary APN00073090-000100
Alternative APNs
  • 04663300073090000100
  • 8815841

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,100 sqft Living Area
1st Floor Area1,100 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 2007
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area3,620 sqft (0.083 acres)
Garage TypeCovered
Garage Area840 sqft

Exterior Amenities

PorchOpen Porch
Porch Area253 sqft
Deck Area630 sqft
Patio Area642 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number8815841
Street Address390 E OCEAN DR
CityKEY COLONY BEACH
StateFL
Zip33051
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeINC
Legal DescriptionBK 3 W 1/2 LT 43 KEY COLONY BEACH SUB PB3-120 SHELTER KEY OR1239-2081 OR2820-382 OR3171-0175 OR3258-1258
Legal Range33E
Legal Township66S
Legal Section04
Legal SubdivisionKEY COLONY BEACH
Legal Block3
Legal Lot Number43
JurisdictionMONROE FL
Township / Civil DivisionMIDDLE KEYS
Census Block Group2
Census Block2039
Census Tract971001

Owner

390 E Ocean Dr is held in a trust since January 2024.

Source: Monroe County records, as of December 8, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Trust Names on File
Mailing Address2037 RESTON CIR, ROYAL PALM BEACH, FL 33411-6109
Owner TypeCompany
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Jan 12, 2024Intrafamily Transfer, Transfer
May 2, 2022Deed, Transfer · Conventional Mortgage
AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 2, 2022 · Amount on File
Deed SaleMay 2, 2022 · Amount on File
Prior SaleDec 1, 1992 · Amount on File
Deed Document Number20222373510
Deed Book / Page3171 / 175
Last Transfer DateJan 3, 2024
Transfer Doc0032581258
Record UpdatedJun 8, 2026

January 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateJan 12, 2024
Property Address390 E OCEAN DR, KEY COLONY BEACH, FL 33051
Document Number0032581258
Book / Page3258 / 1258
Map ReferenceMB 3 PG 120
Instrument DateJan 3, 2024
Instrument2447686
Transaction TypeTransfer
Record UpdatedFeb 6, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2037 RESTON CIR, ROYAL PALM BEACH, FL 33411-6109

Transferred To (Grantee/Buyer)

NameVerified Name
Address2037 RESTON CIR, ROYAL PALM BEACH, FL 33411-6109

May 2022: Deed, Transfer

Document TypeDeed
JurisdictionMONROE FL
Recording DateMay 2, 2022
Property Address390 E OCEAN DR, KEY COLONY BEACH, FL 33051
Document Number0031710175
Book / Page3171 / 175
Map ReferenceMB 3 PG 120
Instrument DateApr 13, 2022
Instrument2373510
Transaction TypeTransfer
Record UpdatedMay 24, 2022
Title CompanySUN ESTATE TITLE, SUNSTATE TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,500.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2299 TREASURE ISLE DR # DR56, 2299, WEST PALM BEACH, FL 33410-1356

Transferred To (Grantee/Buyer)

NameVerified Name
Address2037 RESTON CIR, ROYAL PALM BEACH, FL 33411-6109

Mortgage

Document Number0003171177
DateMay 2, 2022
Instrument3171/177
Lender
NameAMERICAN FINANCIAL NETWORK INC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMay 1, 2052

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityKey Colony Beach City
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$512,451 Land $287,356 Building $225,095$512,451 Land $287,356 Building $225,095
2024$5,647.00 (-5.68%)
2023$5,987.00 (+57.26%)$568,046 (+52.24%) Land $294,125 Building $273,921$568,046 (+52.24%) Land $294,125 Building $273,921
2022$3,807.00$373,127 Land $160,185 Building $212,942$373,127 Land $160,185 Building $212,942

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

Flood

FEMA maps place 390 E Ocean 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 405 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies612 units insured
incl. 207 condo units
Nearby Flood Claims582 (1983–2018)
Most Recent ClaimAug 2018 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Oct 2017 · 305 claims
  • Hurricane Wilma, Oct 2005 · 69 claims
  • Hurricane Georges, Sep 1998 · 127 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

The area around 390 E Ocean Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot rated
no burnable land within 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 276 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T, Hotwire Communications, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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