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

Monroe County property record for 558 Ocean Cay Dr, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details7 bd · 6 ba · 7,645 sqft · built 1994
Lot Size0.278 acres (12,120 sqft)
Owner2 Individual Names on Record
Last Sale$5,000,000 (Jul 2022)
Tax Bill$38,750 (2025)
Deeds & MortgagesJun 2026 Mortgage
Apr 2022 Transfer
Flood ZoneZone VE (high risk)
APN00453475-017400

Property Details

APN / Parcel Number

Primary APN00453475-017400
Alternative APNs
  • 33613900453475017400
  • 1556831

Interior

Bedrooms7 Beds
Full Baths6 Baths
Stories3 Stories
Building Area7,645 sqft Living Area
Gross Area8,977 sqft
1st Floor Area7,249 sqft
AtticAttic
Attic Area369 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 2020
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGeodesic/Dome
Roof MaterialConcrete
Lot Area12,120 sqft (0.278 acres)
View / LotWaterfront
Garage TypeAttached
Garage Area1,332 sqft

Exterior Amenities

Pool Area192 sqft
PorchOpen Porch
Porch Area1,761 sqft
Deck Area2,938 sqft
Patio Area2,938 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1556831
Street Address558 OCEAN CAY DR
CityKEY LARGO
StateFL
Zip33037-4345
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionLT 558 OUT LT 558 PORT LARGO FIFTH ADDITION KEY LARGO PB6-109 AND PT PVT RD OR796-2450 OR866-293/295 OR1003-1510/1513E OR1010-904/906 OR1029-2472 OR1164-1916/16LT/AG OR1192-1168LT OR1302-1211/12 OR1326-21/22 OR1326-23/24 OR1353-2385/86C OR1427-1540/4
Legal Range39E
Legal Township61S
Legal Section33
Legal SubdivisionPORT LARGO 5TH ADD
Legal Lot Number558
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 June 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address11902 SW 49TH ST, MIAMI, FL 33175-5604
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 16, 2026Deed of Trust, Mortgage · Conventional Mortgage
CITI NATIONAL BANK OF FLORIDA
Apr 13, 2022Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 13, 2022 · Amount on Record
Deed SaleJul 13, 2022 · Amount on Record
Prior SaleOct 23, 2014 · Amount on Record
Deed Document Number20222383585
Deed Book / Page3184 / 629
Prior Transfer DateApr 8, 2022
Prior Transfer Doc0031670891
Record UpdatedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Recording DateJun 16, 2026
Property Address558 OCEAN CAY DR, KEY LARGO, FL 33037-4345
Document Number0002547750
Book / Page3386 / 1358
Instrument DateApr 7, 2026
Instrument20262547750
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Liability Partnership, 266

Mortgage

Document Number0002547750,
DateJun 16, 2026
Book Page3386/1358
Instrument20262547750
Lender
NameCITI NATIONAL BANK OF FLORIDA
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Interest
Rate6.11%
Max Rate-1%

April 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateApr 13, 2022
Property Address558 OCEAN CAY DR, KEY LARGO, FL 33037-4345
Document Number0031670891
Book / Page3167 / 891
Map ReferenceMB 6 PG 109
Instrument DateApr 8, 2022
Instrument2370846
Transaction TypeTransfer
Record UpdatedJul 29, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address558 OCEAN CAY DR, 558, KEY LARGO, FL 33037-4345

Transferred To (Grantee/Buyer)

NameVerified Name
Address558 OCEAN CAY DR, KEY LARGO, FL 33037-4345

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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$38,750.00 (+5.31%)$4,724,012 (+9.28%) Land $2,702,902 Building $2,021,110$4,724,012 (+9.28%) Land $2,702,902 Building $2,021,110
2024$36,796.00 (+5.28%)
2023$34,949.00 (+66.83%)$4,323,015 (+60.38%) Land $2,363,542 Building $1,959,473$4,323,015 (+11.66%) Land $2,363,542 Building $1,959,473
2022$20,949.00 Homeowner's exemption$2,695,453$3,871,743 Land $1,999,942 Building $1,871,801

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

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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