Monroe County property record for 60 Ocean Front Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,937 sqft · built 1990 |
| Lot Size | 0.464 acres (20,200 sqft) |
| Owner | Company Name on Record |
| Last Sale | $3,375,000 (Jun 2023) |
| Tax Bill | $25,592 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone VE (high risk) |
| APN | 00498730-000100 |
| Primary APN | 00498730-000100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 2,937 sqft Living Area |
| Gross Area | 3,245 sqft |
| 1st Floor Area | 1,781 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Pile |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 20,200 sqft (0.464 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 308 sqft |
| Pool Area | 1,992 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 936 sqft |
| Deck Area | 400 sqft |
| Patio Area | 1,036 sqft |
| Water Feature | Water Feature |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 8785666 |
|---|---|
| Street Address | 60 OCEAN FRONT DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4240 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | AMENDED AND EXTENDED PLAT OF KEY LARGO OCEAN SHORE PB4-18 SWLY 86.67 TRACT 7 OR1163-980 OR1593-449 OR1657-1131 OR1749-998 OR3031-2178 OR3229-0546 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 33 |
| Legal Subdivision | AMENDED & EXTENDED PLAT OF KEY LARGO OCE |
| Legal Tract | 7 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 970600 |
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.
Source: Monroe County records, as of June 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 60 OCEAN FRONT DR, KEY LARGO, FL 33037-4240 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Jun 9, 2023 | Warranty Deed, Transfer · Conventional Mortgage A&D MORTGAGE LLC |
| Oct 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| Jul 15, 2020 | Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 9, 2023 · Amount on Record |
| Deed Sale | Jun 9, 2023 · Amount on Record |
| Prior Sale | Jul 15, 2020 · Amount on Record |
| Deed Document Number | 20232421108 |
| Deed Book / Page | 3229 / 546 |
| Transfer Doc | 1378000051 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jun 9, 2023 |
| Property Address | 60 OCEAN FRONT DR, KEY LARGO, FL 33037-4240 |
| Document Number | 0032290546 |
| Book / Page | 3229 / 546 |
| Map Reference | MB 4 PG 18 |
| Instrument Date | May 24, 2023 |
| Instrument | 2421108 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2023 |
| Title Company | FLORIDA CLOSING AND ESCROW LLC, FLORIDA CLOSING & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $23,625.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 280 GOLDEN GATE PT UNIT 2, 2, SARASOTA, FL 34236-6620 |
| Name | Verified Name |
|---|---|
| Address | 60 OCEAN FRONT DR, KEY LARGO, FL 33037-4240 |
| Document Number | 0003229548 |
|---|---|
| Date | Jun 9, 2023 |
| Instrument | 3229/548 |
| Name | A&D MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 60 OCEAN FRONT DR, KEY LARGO, FL 33037-4240 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2021 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|---|
| Address | 60 OCEAN FRONT DR, KEY LARGO, FL 33037-4240 |
| Document Number | 0031290822 |
|---|---|
| Date | Oct 1, 2021 |
| Book Page | 3129/822 |
| Instrument | 2342359 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 15, 2020 |
| Property Address | 60 OCEAN FRONT DR, KEY LARGO, FL 33037-4240 |
| Document Number | 0030312178 |
| Book / Page | 3031 / 2178 |
| Map Reference | MB 4 PG 18 |
| Instrument Date | Jul 10, 2020 |
| Instrument | 2273109 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $16,450.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1500 BAY RD # 15385, 1500, MIAMI BEACH, FL 33139-3252 |
| Name | Verified Name |
|---|---|
| Address | 9793 NAPIER RD, NORTHVILLE, MI 48167-9350 |
| Document Number | 0030312181 |
|---|---|
| Date | Jul 15, 2020 |
| Instrument | 3031/2181 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
Source: Monroe County assessment roll, as of December 8, 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 | $25,592.00 (+11.16%) | $3,073,330 (+7.37%) Land $2,138,025 Building $935,305 | $3,073,330 (+7.37%) Land $2,138,025 Building $935,305 |
| 2024 | $23,022.00 (-1.96%) | ||
| 2023 | $23,483.00 (+21.33%) | $2,862,423 (+15.89%) Land $1,854,417 Building $1,008,006 | $2,862,423 (+15.89%) Land $1,854,417 Building $1,008,006 |
| 2022 | $19,354.00 Homeowner's exemption | $2,470,014 Land $1,272,657 Building $1,197,357 | $2,470,014 Land $1,272,657 Building $1,197,357 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 425 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 957 units insured incl. 532 condo units |
| Nearby Flood Claims | 227 (1982–2022) |
| Claims Outside the SFHA | 13 of 227 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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