Monroe County property record for 45 Inlet Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,955 sqft · built 1986 |
| Lot Size | 0.124 acres (5,434 sqft) |
| Owner | Individual Name on File |
| Last Sale | $35,000 (Jul 1981) |
| Tax Bill | $2,740 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00529710-000000 |
| Primary APN | 00529710-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 1,955 sqft Living Area |
| 1st Floor Area | 1,955 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Pile |
| Roof Type | Flat |
| Roof Material | Shingle |
| Lot Area | 5,434 sqft (0.124 acres) |
| Garage Type | Mixed |
| Garage Area | 240 sqft |
| Carport | Carport |
| Carport Area | 181 sqft |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 953 sqft |
| Patio Area | 712 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1648931 |
|---|---|
| Old Parcel Number | 28613900529710000000 |
| Street Address | 45 INLET DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1 LT 2 SUNSET WATERWAYS PB4-31 KEY LARGO OR283-252 OR283-250 OR836-2384 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 28 |
| Legal Subdivision | SUNSET WATERWAYS |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 970500 |
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.
45 Inlet Dr is owned and occupied by an individual who bought it in July 1981.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 372080, KEY LARGO, FL 33037-7080 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 | Jul 1, 1981 · Amount on File |
| Deed Sale | Jul 1, 1981 · Amount on File |
| Deed Document Number | 0008362384 |
| 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 | $294,837 | $986,475 Land $616,818 Building $369,657 | |
| 2024 | $2,740.00 (+5.3%) | ||
| 2023 | $2,602.00 (+5.26%) Homeowner's exemption | $278,183 (+3%) | $961,448 (+18.61%) Land $604,100 Building $357,348 |
| 2022 | $2,472.00 Homeowner's exemption | $270,081 | $810,573 Land $508,716 Building $301,857 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Inlet 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 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 File median of 177 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 204 units insured incl. 27 condo units |
| Nearby Flood Claims | 50 (1984–2025) |
| Claims Outside the SFHA | 8 of 50 |
| Most Recent Claim | Jun 2025 · 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 45 Inlet Dr is moderate, ranking above 40% of the US, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 380 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless · Fiber, DSL in parts of the area | 100 / 20 |
May also be available: T-Mobile.
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