5 Bowen Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 5 Bowen Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 2023
Lot Size	0.161 acres (7,000 sqft)
Owner	Company Name on Record
Last Sale	$207,000 (Sep 2021)
Tax Bill	$6,143 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Aug 2022 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`00513080-000100`

Property Details

APN / Parcel Number

Primary APN	`00513080-000100`
Alternative APN	`9104510`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,320 sqft Living Area
1st Floor Area	1,320 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	9104510
Street Address	5 BOWEN DR
City	KEY LARGO
State	FL
Zip	33037-2908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU-1
Legal Description	BK 14 LT 4 BOWENS ADDN TO RIVIERA VILLAGE-KEY LARGO PB2-107 G57-181 OR34-497/98 OR598-391 OR825-1253 OR833-1832/34 OR957-2420/21 OR962-628 OR973-1139 OR2745-1328/29ORD OR3011-508 OR3011-0505 OR3126-1033 OR3187-2484 OR3217-1189CE
Legal Range	39E
Legal Township	61S
Legal Section	12
Legal Subdivision	BOWENS ADD RIVIERA VILLAGE
Legal Block	14
Legal Lot Number	4
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2004
Census Tract	972700

Historic Designation

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.

Owner

Source: Monroe County records, as of May 26, 2026

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	640 COLSON DR, KEY LARGO, FL 33037-2715
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Aug 5, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage FERNANDO FRANCO
Aug 5, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Sep 17, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2021 · Amount on Record
Deed Sale	Sep 17, 2021 · Amount on Record
Deed Document Number	20212340265
Deed Book / Page	3126 / 1033
Last Transfer Date	Jul 26, 2022
Transfer Doc	0031872484
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	5 BOWEN DR, KEY LARGO, FL 33037-2908
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7925 SW 124TH ST, PINECREST, FL 33156-6051

Mortgage

Document Number	0032430663
Date	Sep 21, 2023
Book Page	3243/663
Instrument	2432544

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	5 BOWEN DR, KEY LARGO, FL 33037-2908
Transaction Type	Mortgage
Record Updated	Sep 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7925 SW 124TH ST, PINECREST, FL 33156-6051

Mortgage

Document Number	0031880001
Date	Aug 5, 2022
Book Page	3188/1
Instrument	2386667

Lender

Name	FERNANDO FRANCO
Type	Private Party
Address	1717 N BAYSHORE DR APT 3551, MIAMI, FL 33132

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 31, 2023

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Aug 5, 2022
Property Address	5 BOWEN DR, KEY LARGO, FL 33037-2908
Document Number	0031872484
Book / Page	3187 / 2484
Map Reference	MB 2 PG 107
Instrument Date	Jul 26, 2022
Instrument	2386666
Transaction Type	Transfer
Record Updated	Aug 31, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7925 SW 124TH ST, 7925, PINECREST, FL 33156-6051

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12651 S DIXIE HWY STE 305, 305, PINECREST, FL 33156-5961

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 17, 2021
Property Address	5 BOWEN DR, KEY LARGO, FL 33037-2908
Document Number	0031261033
Book / Page	3126 / 1033
Map Reference	MB 2 PG 107
Instrument Date	Sep 17, 2021
Instrument	2340265
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,449.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	237 LA PALOMA RD, 237, KEY LARGO, FL 33037-4652

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7925 SW 124TH ST, PINECREST, FL 33156-6051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,143.00 (+11.23%)	$668,767 (+255.76%) Land $298,480 Building $370,287	$668,767 (+255.76%) Land $298,480 Building $370,287
2024	$5,523.00 (+98.67%)
2023	$2,780.00 (+21.45%)	$187,985 (-) Land $187,985	$187,985 (-) Land $187,985
2022	$2,289.00	$187,985 Land $187,985	$187,985 Land $187,985

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 Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 433 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	660 units insured incl. 227 condo units
Nearby Flood Claims	80 (1999–2024)
Claims Outside the SFHA	1 of 80
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 11 claims Hurricane Irma, Sep 2017 · 33 claims Hurricane Wilma, Oct 2005 · 13 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 Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct 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 291 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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