Monroe County property record for 395 S Harbor Dr, Key Largo, FL 33037
| Property Type | Clubs, Lodges, Professional Associations |
|---|---|
| Details | 33,717 sqft · built 1982 |
| Lot Size | 5.83 acres (254,155 sqft) |
| Owner | Company Name on File |
| Tax Bill | $35,235 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00573630-002600 |
| Primary APN | 00573630-002600 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 33,717 sqft Total Area |
| 1st Floor Area | 11,958 sqft |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 254,155 sqft (5.83 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 406 sqft |
| Deck Area | 208 sqft |
| Patio Area | 265 sqft |
| Fence | Fence |
| Account Number | 1710695 |
|---|---|
| Old Parcel Number | 13594000573630002600 |
| Street Address | 395 S HARBOR DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5125 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Clubs, Lodges, Professional Associations |
| Legal Description | HARBOR COURSE SEC 2 OCEAN REEF PLAT NO 13 PB7-5 KEY LARGO TRACT C & PT TR A HARBOR COURSE S SEC 1 OR PLAT #14 PB7-9 |
| Legal Range | 40E |
| Legal Township | 59S |
| Legal Section | 13 |
| Legal Subdivision | HARBOR COURSE SEC 2 O.R. #13 REPLAT |
| Legal Tract | A,C |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3042 |
| Census Tract | 972700 |
Source: Monroe County records · APN 00573630-002600
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 35 OCEAN REEF DR STE 200, 200, KEY LARGO, FL 33037-5259 |
| Owner Type | Company |
| Deed Names | Verified Name on Deed |
|---|---|
| Prior Sale | Aug 13, 1996 · Amount on Record |
| Last Transfer Date | Jul 30, 2015 |
| Transfer Doc | 0027531327 |
| Record Updated | Jun 08, 2026 |
Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,462,886 (+2.69%) Land $965,970 Building $5,496,916 | $6,462,886 (+2.69%) Land $965,970 Building $5,496,916 | |
| 2024 | $35,235.00 (+4.47%) | ||
| 2023 | $33,729.00 (+5%) | $6,293,717 (-0.24%) Land $790,470 Building $5,503,247 | $6,293,717 (-0.24%) Land $790,470 Building $5,503,247 |
| 2022 | $32,122.00 | $6,308,958 Land $790,470 Building $5,518,488 | $6,308,958 Land $790,470 Building $5,518,488 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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 |
|
| Wildfire Risk | Moderate above 65% of the US · above 43% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 70 locations within half a mile of this property.
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