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550 Ocean Cay Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 550 Ocean Cay Dr, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details4 bd · 5 ba · 5,422 sqft · built 2005
Lot Size0.462 acres (20,149 sqft)
OwnerIndividual Name on Record
Last Sale$4,500,000 (Mar 2021)
Tax Bill$39,252 (2024)
Deeds & MortgagesMar 2021 Sale & Mortgage
Apr 2019 Loan Modification
Flood ZoneZone VE (high risk)
APN00453475-016600

Property Details

APN / Parcel Number

Primary APN00453475-016600
Alternative APNs
  • 33613900453475016600
  • 1556751

Interior

Bedrooms4 Beds
Full Baths5 Baths
Stories3 Stories
Building Area5,422 sqft Living Area
1st Floor Area5,422 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2020
Exterior MaterialOther
Foundation TypePile
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area20,149 sqft (0.462 acres)
Garage Area1,026 sqft

Exterior Amenities

Pool Area450 sqft
PorchOpen Porch
Porch Area2,691 sqft
Patio Area117 sqft
FenceFence
Water FeatureWater Feature

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1556751
Old Parcel Number33613900453475016600
Street Address550 OCEAN CAY DR
CityKEY LARGO
StateFL
Zip33037-4345
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPORT LARGO FIFTH ADDITION KEY LARGO PB6-109 LOT 550, OUTLOT 550 & PT PVT RD OR796-2450 OR918-29 OR1003-1510/13 OR1029-2472
Legal Range39E
Legal Township61S
Legal Section33
Legal SubdivisionPORT LARGO 5TH ADD
Legal Lot Number550
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2024
Census Tract970500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed AreaWithin 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 December 5, 2025

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

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address550 OCEAN CAY DR, KEY LARGO, FL 33037-4345
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 23, 2021Warranty Deed, Transfer · Conventional Mortgage
TRUIST BANK
Apr 15, 2019Loan Modification, Mortgage
MARR STUART D TRUST (PT)

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 23, 2021 · Amount on Record
Deed SaleMar 23, 2021 · Amount on Record
Prior SaleJul 29, 2003 · Amount on Record
Deed Document Number2309861
Deed Book / Page3083 / 1348
Record UpdatedJun 8, 2026

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMar 23, 2021
Property Address550 OCEAN CAY DR, KEY LARGO, FL 33037-4345
Document Number0030831348
Book / Page3083 / 1348
Map ReferenceMB 6 PG 109
Instrument DateMar 19, 2021
Instrument2309861
Transaction TypeTransfer
Record UpdatedJul 29, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$31,500.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address87851 OLD HWY # HWYP4, 87851, ISLAMORADA, FL 33036-3066

Transferred To (Grantee/Buyer)

NameVerified Name
Address980 N FEDERAL HWY STE 200, 200, BOCA RATON, FL 33432-2711

Mortgage

Document Number0030831350
DateMar 23, 2021
Instrument3083/1350
Lender
NameTRUIST BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2051

April 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE FL
Property Address550 OCEAN CAY DR, KEY LARGO, FL 33037-4345
Document Number0029951684
Instrument DateApr 15, 2019
Transaction TypeMortgage
Record UpdatedDec 27, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address550 OCEAN CAY DR KEY LARGO FL 330374345, KEY LARGO, FL 33037-4345

Mortgage

Document Number0029951684
DateNov 21, 2019
Book Page002995/001684
Instrument2245649
Lender
NameMARR STUART D TRUST (PT)
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,444,427 (-3.94%) Land $2,702,910 Building $1,741,517$4,444,427 (-3.94%) Land $2,702,910 Building $1,741,517
2024$39,252.00 (+5.06%)
2023$37,362.00 (+12.09%)$4,626,953 (+8.27%) Land $2,363,542 Building $2,263,411$4,626,953 (+8.27%) Land $2,363,542 Building $2,263,411
2022$33,333.00$4,273,415 Land $1,999,942 Building $2,273,473$4,273,415 Land $1,999,942 Building $2,273,473

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 ZoneZone VE
high risk · coastal, wave action
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation15.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 595 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies839 units insured
incl. 244 condo units
Nearby Flood Claims304 (1983–2025)
Claims Outside the SFHA8 of 304
Most Recent ClaimOct 2025 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 221 claims
  • Hurricane Irene, Oct 1999 · 24 claims
  • Hurricane Georges, Sep 1998 · 24 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 RiskNot 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 317 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL · Fixed Wireless in parts of the area		5,000 / 5,000
Xfinity
Cable · Fiber in parts of the area		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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