55 Ocean Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 55 Ocean Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,926 sqft · built 2011
Lot Size	0.131 acres (5,725 sqft)
Owner	2 Company Names on Record
Last Sale	$1,775,000 (Apr 2024)
Tax Bill	$5,426 (2024)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2025 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`00555011-005801`

Property Details

APN / Parcel Number

Primary APN	`00555011-005801`
Alternative APNs	`06623900555011005801` `1681075`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,926 sqft Living Area
1st Floor Area	2,220 sqft
Basement Area	322 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2019
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,725 sqft (0.131 acres)
View / Lot	Canal
Garage Type	Carport
Garage Area	1,235 sqft
Carport	Carport
Carport Area	1,235 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	1,329 sqft
Patio Area	741 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1681075
Street Address	55 OCEAN DR
City	KEY LARGO
State	FL
Zip	33037-4011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URM
Legal Description	THE HARBORAGE KEY LARGO PB6-46 S 30FT LOT 57 & N 1/2 LOT 58 & 1.512% COMMON ELEMENTS OR493-469 OR900-14 OR1060-2071 OR1654-1824 OR3272-0581
Legal Range	39E
Legal Township	62S
Legal Section	06
Legal Subdivision	HARBORAGE, THE
Legal Lot Number	1,57-
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2004
Census Tract	970600

Owner

Source: Monroe County records, as of May 8, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	55 OCEAN DR, KEY LARGO, FL 33037-4011
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage TROPICAL FINANCIAL CREDIT UNION
Oct 15, 2025	Correction Deed ATTORNEY ONLY, ATTORNEY
Apr 22, 2024	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Oct 26, 2018	Deed of Trust, Mortgage · Line of Credit CENTERSTATE BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2024 · Amount on Record
Deed Sale	Apr 22, 2024 · Amount on Record
Prior Sale	Jun 1, 1998 · Amount on Record
Deed Document Number	20242458834
Deed Book / Page	3272 / 581
Last Transfer Date	Oct 13, 2025
Transfer Doc	0033490863
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Recording Date	Apr 29, 2026
Property Address	55 OCEAN DR, KEY LARGO, FL 33037-4011
Document Number	0002541608
Book / Page	3378 / 1410
Instrument Date	Apr 20, 2026
Instrument	20262541608
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	55 OCEAN DR, KEY LARGO, FL 33037-4011

Mortgage

Document Number	0002541608,
Date	Apr 29, 2026
Book Page	3378/1410
Instrument	20262541608

Lender

Name	TROPICAL FINANCIAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Correction Deed

Document Type	Correction Deed
Jurisdiction	MONROE FL
Recording Date	Oct 15, 2025
Property Address	55 OCEAN DR, KEY LARGO, FL 33037-4011
Document Number	0033490863
Book / Page	3349 / 863
Map Reference	MB 6 PG 46
Instrument Date	Oct 13, 2025
Instrument	2518705
Record Updated	Oct 31, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8733 NW 42ND TER, GAINESVILLE, FL 32653-0047

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	55 OCEAN DR, KEY LARGO, FL 33037-4011

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	55 OCEAN DR, KEY LARGO, FL 33037-4011
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9471 SW 12TH ST, MIAMI, FL 33174-3001

Mortgage

Document Number	0032720584
Date	Apr 22, 2024
Book Page	3272/584
Instrument	2458835

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	5887 COPLEY DR, SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	55 OCEAN DR, KEY LARGO, FL 33037-4011
Document Number	0029371725
Instrument Date	Oct 26, 2018
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	55 OCEAN DR KEY LARGO FL 330374011, KEY LARGO, FL 33037-4011

Mortgage

Document Number	0029371725
Date	Nov 27, 2018
Book Page	002937/001725
Instrument	2195679

Lender

Name	CENTERSTATE BK NA
Type	Bank
Address	TAVERNIER, FL 33070

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 26, 2028

Interest

Rate Type	Adjustable Rate

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		$1,495,715 (+141.97%) Land $685,836 Building $809,879	$1,495,715 (+6.14%) Land $685,836 Building $809,879
2024	$5,426.00 (+3.73%) Homeowner's exemption	$618,135 (+3%)	$1,409,169 (+10.39%) Land $631,048 Building $778,121
2023	$5,231.00 (+5.91%) Homeowner's exemption	$600,132 (+3%)	$1,276,501 (+37.57%) Land $631,048 Building $645,453
2022	$4,939.00 Homeowner's exemption	$582,653	$927,860 Land $496,567 Building $431,293

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 425 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	957 units insured incl. 532 condo units
Nearby Flood Claims	227 (1982–2022)
Claims Outside the SFHA	13 of 227
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 156 claims Hurricane Irene, Oct 1999 · 11 claims Hurricane Georges, Sep 1998 · 30 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	Not rated no burnable land within ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications.

Nearby Properties on Ocean Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures