Monroe County property record for 553 Ocean Cay Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,167 sqft · built 1995 |
| Lot Size | 0.492 acres (21,454 sqft) |
| Owner | Individual Name on File |
| Last Sale | $2,885,000 (Jul 2015) |
| Tax Bill | $28,024 (2024) |
| Flood Zone | Zone VE (high risk) |
| APN | 00453475-016900 |
| Primary APN | 00453475-016900 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 3,167 sqft Living Area |
| 1st Floor Area | 3,169 sqft |
| Interior Walls | Wallboard/Drywall |
| Elevator | Elevator |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Other |
| Construction Type | Concrete |
| Foundation Type | Pile |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 21,454 sqft (0.492 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 823 sqft |
| Pool Area | 558 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 2,399 sqft |
| Patio Area | 1,606 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1556785 |
|---|---|
| Old Parcel Number | 33613900453475016900 |
| Street Address | 553 OCEAN CAY DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4346 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 553 & OUT LOT 553 & PT PVT RD PORT LARGO FIFTH ADDITION KEY LARGO PB6-109 OR796-2450 OR866-293 OR1003-1510 OR1010-904 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 33 |
| Legal Subdivision | PORT LARGO 5TH ADD |
| Legal Lot Number | 553 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2024 |
| 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.
553 Ocean Cay Dr is owned and occupied by an individual who bought it in July 2015.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 553 OCEAN CAY DR, KEY LARGO, FL 33037-4346 |
| 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, 2015 · Amount on File |
| Deed Sale | Jul 1, 2015 · Amount on File |
| Prior Sale | Jul 29, 1999 · Amount on File |
| Deed Document Number | 2035689 |
| Deed Book / Page | 2748 / 1760 |
| 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 | $3,605,603 | $3,701,276 Land $2,702,860 Building $998,416 | |
| 2024 | $28,024.00 (+16.93%) | ||
| 2023 | $23,967.00 (+14.05%) | $3,297,955 (+11.9%) Land $2,363,500 Building $934,455 | $3,297,955 (+11.9%) Land $2,363,500 Building $934,455 |
| 2022 | $21,015.00 | $2,947,140 Land $1,999,900 Building $947,240 | $2,947,140 Land $1,999,900 Building $947,240 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 553 Ocean Cay Dr in Zone VE, a high-risk coastal 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 VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 15.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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.
The area around 553 Ocean Cay Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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 317 locations within half a mile, as of December 31, 2025
| Provider | Max 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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