6 Harbor Ln, Key Largo, FL 33037 Property Records

Monroe County property record for 6 Harbor Ln, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,261 sqft · built 1961
Lot Size	0.397 acres (17,275 sqft)
Owner	Company Name on File
Last Sale	$1,600,000 (Nov 2016)
Tax Bill	$18,206 (2025)
Deeds & Mortgages	Apr 2023 Mortgage May 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00571620-000000`

Property Details

APN / Parcel Number

Primary APN	`00571620-000000`
Alternative APNs	`07594000571620000000` `1704881`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,261 sqft Living Area
Gross Area	3,387 sqft
1st Floor Area	3,261 sqft
Flooring	Ceramic Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Pile
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	17,275 sqft (0.397 acres)
Garage Type	Attached
Garage Area	126 sqft

Exterior Amenities

Pool Area	398 sqft
Porch	Florida Room
Porch Area	1,777 sqft
Patio Area	2,000 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1704881
Street Address	6 HARBOR LN
City	KEY LARGO
State	FL
Zip	33037-3716
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 8 LT 3 OCEAN REEF PLAT #3 PB4-91 KEY LARGO OR489-632 OR789-1973 OR811-2463 OR1090-412 OR1151-2440 OR1283-2486 OR1470-1691 OR1871-2375 OR1871-375 OR1928-2386 OR2824-594
Legal Range	40E
Legal Township	59S
Legal Section	07
Legal Subdivision	OCEAN REEF NO 3
Legal Block	8
Legal Lot Number	3
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3094
Census Tract	972700

Owner

6 Harbor Ln is owned by a company that bought it in November 2016.

Source: Monroe County records, as of October 12, 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	181 HARBOR DR, STAMFORD, CT 06902-8712
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2023	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
May 1, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIELDPOINT BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2016 · Amount on File
Deed Sale	Nov 3, 2016 · Amount on File
Prior Sale	May 12, 2005 · Amount on File
Deed Document Number	20162098149
Deed Book / Page	2824 / 594
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	6 HARBOR LN, KEY LARGO, FL 33037-3716
Transaction Type	Mortgage
Record Updated	Jun 6, 2023
Title Company	REECH TITLE COMPANY LLC, REEF TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032201391
Date	Apr 14, 2023
Book Page	3220/1391
Instrument	2414004

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	HOUSTON, TX 77046

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2038

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	6 HARBOR LN, KEY LARGO, FL 33037-3716
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028512162
Date	May 1, 2017
Book Page	2851/2162
Instrument	2121085

Lender

Name	FIELDPOINT BANK & TRUST
Address	GREENWICH, CT 06830

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 6 Harbor Ln was $18,206, up 8.1% 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	$18,206.00 (+8.13%)	$3,598,217 (+4.69%) Land $3,053,356 Building $544,861	$3,598,217 (+4.69%) Land $3,053,356 Building $544,861
2024	$16,837.00 (+11.78%)	$3,437,150 (+14.81%) Land $2,861,431 Building $575,719	$3,437,150 (+14.81%) Land $2,861,431 Building $575,719
2023	$15,062.00 (+21.94%)	$2,993,801 (+31.12%) Land $2,477,581 Building $516,220	$2,993,801 (+31.12%) Land $2,477,581 Building $516,220
2022	$12,352.00	$2,283,172 Land $1,762,223 Building $520,949	$2,283,172 Land $1,762,223 Building $520,949

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

Flood

FEMA maps place 6 Harbor Ln in Zone AE, a high-risk 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 838 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	1,585 units insured incl. 747 condo units
Nearby Flood Claims	78 (2005–2023)
Claims Outside the SFHA	1 of 78
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 73 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 Harbor Ln is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond 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 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000

May also be available: AT&T, T-Mobile.

Nearby Properties on Harbor Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures