6 Bowen Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 6 Bowen Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,098 sqft · built 2016
Lot Size	0.321 acres (14,000 sqft)
Owner	Company Name on File
Last Sale	$925,000 (Feb 2022)
Tax Bill	$8,133 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00512990-000000`

Property Details

APN / Parcel Number

Primary APN	`00512990-000000`
Alternative APNs	`12613900512990000000` `1632309`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,098 sqft Living Area
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,000 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 50 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	504 sqft
Deck Area	128 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1632309
Street Address	6 BOWEN DR
City	KEY LARGO
State	FL
Zip	33037-2909
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU-1
Legal Description	BK 11 LTS 29 AND 30 BOWENS ADDN TO RIVIERA VILLAGE KEY LARGO PB2-107 G57-181 OR12-271 OR111-113 OR532-798 OR628-195C OR673-387 OR858-2030 OR1187-1154 OR2649-2317D/C OR2649-2318D/C OR2651-2302/03ORD OR2670-349 OR2795-1785 OR2795-1786 OR3157-0890
Legal Range	39E
Legal Township	61S
Legal Section	12
Legal Subdivision	BOWENS ADD RIVIERA VILLAGE
Legal Block	11
Legal Lot Number	29,30
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2006
Census Tract	972700

Historic Designation

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.

Owner

6 Bowen Dr is owned by a company that bought it in February 2022.

Source: Monroe County records, as of September 11, 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 Record	Company Name on File
Mailing Address	13022 NW 8TH TER, MIAMI, FL 33182-2374
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Feb 29, 2024	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 25, 2022	Warranty Deed, Transfer · Balloon Mortgage AJD INVESTMENTS CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2022 · Amount on File
Deed Sale	Feb 25, 2022 · Amount on File
Prior Sale	May 9, 2016
Deed Document Number	20222363272
Deed Book / Page	3157 / 890
Prior Transfer Date	Apr 27, 2016
Prior Transfer Doc	0027951785
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	6 BOWEN DR, KEY LARGO, FL 33037-2909
Transaction Type	Mortgage
Record Updated	Mar 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1302 NW 8TH TERR, MIAMI, FL 33182

Mortgage

Document Number	0032641165
Date	Feb 29, 2024
Book Page	3264/1165
Instrument	2452826

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	585 SOUTH BLVD E, PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	6 BOWEN DR, KEY LARGO, FL 33037-2909
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030581187
Date	Nov 23, 2020
Book Page	3058/1187
Instrument	2292038

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 25, 2022
Property Address	6 BOWEN DR, KEY LARGO, FL 33037-2909
Document Number	0031570890
Book / Page	3157 / 890
Map Reference	MB 2 PG 107
Instrument Date	Feb 18, 2022
Instrument	2363272
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,475.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 317303, KEY LARGO, FL 33037

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13022 NW 8TH TER, MIAMI, FL 33182-2374

Mortgage

Document Number	0003157892
Date	Feb 25, 2022
Instrument	3157/892

Lender

Name	AJD INVESTMENTS CORP
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	25 Months
Due	Mar 1, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 6 Bowen Dr was $8,133, up 12.9% from the year before.

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	$8,133.00 (+12.93%)	$939,698 Land $429,520 Building $510,178	$939,698 Land $429,520 Building $510,178
2024	$7,202.00 (+3.36%)
2023	$6,968.00 (+67.86%)	$793,739 (+59.91%) Land $282,240 Building $511,499	$793,739 (-0.68%) Land $282,240 Building $511,499
2022	$4,151.00 Homeowner's exemption	$496,361	$799,174 Land $282,240 Building $516,934

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 6 Bowen Dr in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 433 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	660 units insured incl. 227 condo units
Nearby Flood Claims	80 (1999–2024)
Claims Outside the SFHA	1 of 80
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 11 claims Hurricane Irma, Sep 2017 · 33 claims Hurricane Wilma, Oct 2005 · 13 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

Wildfire risk around 6 Bowen Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

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

May also be available: T-Mobile.

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