Monroe County property record for 433 S Harbor Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 5,662 sqft · built 2015 |
| Lot Size | 0.373 acres (16,242 sqft) |
| Owner | Company Name on Record |
| Last Sale | $2,850,000 (May 2015) |
| Tax Bill | $24,761 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00573710-003100 |
| Primary APN | 00573710-003100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,662 sqft Living Area |
| Gross Area | 6,650 sqft |
| 1st Floor Area | 4,408 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Plaster |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 16,242 sqft (0.373 acres) |
| Garage Type | Attached |
| Garage Area | 988 sqft |
| Pool Area | 240 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 1,418 sqft |
| Patio Area | 1,259 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 8769741 |
|---|---|
| Street Address | 433 S HARBOR DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5130 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 7 LT 31 AND PT TR A HSC SEC 3 HARBOR COURSE SOUTH SEC 3 OCEAN REEF PLAT 18 PB7-53 OR1454-1195/12 OR1592-1886/2002C OR1717-54/70 OR2268-2058/61 OR2669-2317/18C/T OR2670-573/74 OR2735-1665CE OR2741-254/56 OR2741-283/84 |
| Legal Range | 40E |
| Legal Township | 59S |
| Legal Section | 24 |
| Legal Subdivision | HARBOR COURSE SOUTH SEC III O.R. #18 |
| Legal Tract | A |
| Legal Block | 7 |
| Legal Lot Number | 31 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3042 |
| Census Tract | 972700 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Listed Area | Within 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.
Source: Monroe County records, as of December 8, 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 Record |
|---|---|
| Mailing Address | 6622 DELOACHE AVE, DALLAS, TX 75225-2507 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 18, 2015 · Amount on Record |
| Deed Sale | May 18, 2015 · Amount on Record |
| Prior Sale | Feb 6, 2014 |
| Deed Document Number | 20152029449 |
| Deed Book / Page | 2741 / 254 |
| Record Updated | Sep 20, 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 | $3,813,852 (-9.76%) Land $1,900,026 Building $1,913,826 | $3,813,852 (-9.76%) Land $1,900,026 Building $1,913,826 | |
| 2024 | $24,761.00 (+5.18%) | ||
| 2023 | $23,541.00 (+30.31%) | $4,226,557 (+52.26%) Land $2,425,743 Building $1,800,814 | $4,226,557 (+52.26%) Land $2,425,743 Building $1,800,814 |
| 2022 | $18,066.00 | $2,775,957 Land $970,297 Building $1,805,660 | $2,775,957 Land $970,297 Building $1,805,660 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 45% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 79 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
May also be available: T-Mobile.
5G (outdoors only) and 4G LTE
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