Monroe County property record for 55 Ocean Front Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,446 sqft · built 1998 |
| Lot Size | 1.09 acres (47,752 sqft) |
| Owner | Company Name on Record |
| Last Sale | $899,000 (Mar 2020) |
| Tax Bill | $12,831 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Mar 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00498720-000000 |
| Primary APN | 00498720-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 4,446 sqft Living Area |
| Gross Area | 5,096 sqft |
| 1st Floor Area | 2,839 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Pile |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 47,752 sqft (1.09 acres) |
| Garage Type | Attached |
| Garage Area | 650 sqft |
| Porch | Florida Room |
| Porch Area | 2,305 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1616583 |
|---|---|
| Street Address | 55 OCEAN FRONT DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4241 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | TRACT 6 AMD AND EXT PLAT OF KEY LARGO OCEAN SHORES PB4-18 KEY LARGO OR420-265/66 OR983-472/73 OR1187-1521/22 OR1357-383 OR1471-2287 OR1477-2257 OR1802-1614/25F/J OR1822-1990/91 OR2717-1088/89C OR2737-601/02 OR3012-0940 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 33 |
| Legal Subdivision | AMENDED & EXTENDED PLAT OF KEY LARGO OCE |
| Legal Tract | 6 |
| Legal Lot Number | 6 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2015 |
| 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.
Source: Monroe County records, as of September 23, 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 | 6 OCEAN VIEW BLVD, KEY LARGO, FL 33037-3833 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Aug 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF THE FLORIDA KEYS |
| Mar 6, 2020 | Grant Deed, Transfer MCDERMOTT THOMAS J TRUS (RT) |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 6, 2020 · Amount on Record |
| Deed Sale | Mar 6, 2020 · Amount on Record |
| Prior Sale | Apr 27, 2015 · Amount on Record |
| Deed Document Number | 20202258967 |
| Deed Book / Page | 3012 / 940 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 55 OCEAN FRONT DR, KEY LARGO, FL 33037-4241 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2021 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|---|
| Address | 15 OCEAN FRONT DR, KEY LARGO, FL 33037-4241 |
| Document Number | 0031212406 |
|---|---|
| Date | Aug 25, 2021 |
| Book Page | 3121/2406 |
| Instrument | 2337019 |
| Name | FIRST STATE BANK OF THE FLORIDA KEYS |
|---|---|
| Type | Bank |
| Address | KEY WEST, FL 33040 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 6, 2020 |
| Property Address | 55 OCEAN FRONT DR, KEY LARGO, FL 33037-4241 |
| Document Number | 0030120940 |
| Book / Page | 003012 / 000940 |
| Instrument Date | Mar 2, 2020 |
| Instrument | 2258967 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2020 |
| Title Company | COASTAL TITLE, COASTAL TITLE & CLOSING |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,293.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6 OCEAN VIEW BLVD KEY LARGO FL 330373833, KEY LARGO, FL 33037-3833 |
| Document Number | 30120942 |
|---|---|
| Date | Mar 6, 2020 |
| Book Page | 003012/000942 |
| Instrument | 2258968 |
| Name | MCDERMOTT THOMAS J TRUS (RT) |
|---|---|
| Address | 166 RUSHTON LN, TAVERNIER, FL 33070-3015 |
| Amount | Amount Recorded |
|---|
| Rate | 5% |
|---|
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 | $12,831.00 (+4.16%) | $1,889,942 (-8.83%) Land $845,688 Building $1,044,254 | $1,889,942 (-8.83%) Land $845,688 Building $1,044,254 |
| 2024 | $12,319.00 (+2.74%) | ||
| 2023 | $11,991.00 (+18.02%) | $2,073,080 (+23.26%) Land $1,087,313 Building $985,767 | $2,073,080 (+23.26%) Land $1,087,313 Building $985,767 |
| 2022 | $10,160.00 | $1,681,880 Land $691,926 Building $989,954 | $1,681,880 Land $691,926 Building $989,954 |
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 | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 595 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 839 units insured incl. 244 condo units |
| Nearby Flood Claims | 304 (1983–2025) |
| Claims Outside the SFHA | 8 of 304 |
| Most Recent Claim | Oct 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.
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.
Source: FCC Broadband Data Collection, based on 425 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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