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421 S Harbor Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 421 S Harbor Dr, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details4 bd · 5 ba · 5,148 sqft · built 2022
Lot Size0.44 acres (19,145 sqft)
Owner2 Individual Names on Record
Last Sale$495,000 (Oct 2017)
Tax Bill$23,760 (2025)
Deeds & MortgagesFeb 2026 Transfer
Oct 2017 Sale
Flood ZoneZone AE (high risk)
APN00573710-002800

Property Details

APN / Parcel Number

Primary APN00573710-002800
Alternative APNs
  • 24594000573710002800
  • 8769717

Interior

Bedrooms4 Beds
Full Baths5 Baths
Stories2 Stories
Building Area5,148 sqft Living Area
Gross Area5,652 sqft

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area19,145 sqft (0.44 acres)
Garage TypeAttached
Garage Area504 sqft
PorchFlorida Room

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Account Number8769717
Street Address421 S HARBOR DR
CityKEY LARGO
StateFL
Zip33037-5130
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 7 LT 28 AND PT ADJ TR A HARBOR COURSE SOUTH SEC III OCEAN REEF PLAT NO 18 PB7-53 OR1336-738/41 OR2716-1677D/C OR2875-314/16
Legal Range40E
Legal Township59S
Legal Section24
Legal SubdivisionHARBOR COURSE SOUTH SEC III O.R. #18
Legal TractA
Legal Block7
Legal Lot Number28
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group3
Census Block3042
Census Tract972700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed AreaWithin 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

Source: Monroe County records, as of July 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address421 S HARBOR DR, KEY LARGO, FL 33037-5130
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Feb 4, 2026Intrafamily Transfer, Transfer
Oct 16, 2017Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 16, 2017 · Amount on Record
Deed SaleOct 16, 2017 · Amount on Record
Prior SaleDec 30, 1994 · Amount on Record
Deed Document Number20172139929
Deed Book / Page2875 / 314
Last Transfer DateJan 29, 2026
Transfer Doc0033642337
Record UpdatedSep 20, 2026

February 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateFeb 4, 2026
Property Address421 S HARBOR DR, KEY LARGO, FL 33037-5130
Document Number0033642337
Book / Page3364 / 2337
Map ReferenceMB 7 PG 53
Instrument DateJan 29, 2026
Instrument2530807
Transaction TypeTransfer
Record UpdatedFeb 19, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address421 S HARBOR DR, KEY LARGO, FL 33037-5130

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address421 S HARBOR DR, KEY LARGO, FL 33037-5130

October 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateOct 16, 2017
Property Address421 S HARBOR DR, KEY LARGO, FL 33037-5130
Document Number0028750314
Book / Page002875 / 000314
Instrument DateOct 13, 2017
Instrument2139929
Transaction TypeTransfer
Record UpdatedNov 15, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$3,465.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address7800 SW 87TH AVE #A140 MIAMI FL 331733570, A140, MIAMI, FL 33173-3570

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$23,760.00 (+19.2%) Homeowner's exemption$3,567,694 (+2.64%) Land $1,998,180 Building $1,569,514$3,567,694 (+2.64%) Land $1,998,180 Building $1,569,514
2024$19,933.00 (+9.82%)
2023$18,150.00 (+468.08%)$3,475,881 (+623.66%) Land $1,916,192 Building $1,559,689$3,475,881 (+623.66%) Land $1,916,192 Building $1,559,689
2022$3,195.00$480,317 Land $480,317$480,317 Land $480,317

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

Flood

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 Record
median of 838 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies1,585 units insured
incl. 747 condo units
Nearby Flood Claims78 (2005–2023)
Claims Outside the SFHA1 of 78
Most Recent ClaimNov 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

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

Wildfire RiskModerate
above 62% of the US · lower than 62% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

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

ProviderMax Down / Up (Mbps)
Xfinity
Fiber		2,000 / 2,000

May also be available: T-Mobile.

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