675 N Lake Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 675 N Lake Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,080 sqft · built 1989
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$287,000 (Jul 2013)
Tax Bill	$3,267 (2024)
Deeds & Mortgages	Jul 2018 Foreclosure
Flood Zone	Zone AE (high risk)
APN	`00548880-000000`

Property Details

APN / Parcel Number

Primary APN	`00548880-000000`
Alternative APN	`1672360`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2004
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	944 sqft
Deck Area	55 sqft
Patio Area	55 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air

Location & Zoning

Account Number	1672360
Street Address	675 N LAKE DR
City	KEY LARGO
State	FL
Zip	33037-2777
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 7 LT 15 TWIN LAKES PB3-160 KEY LARGO OR222-193/94 OR947-2423 OR1209-1255 OR1286-664 OR1637-366 OR2638-450/51
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	TWIN LAKES
Legal Block	7
Legal Lot Number	15
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3005
Census Tract	970400

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

Source: Monroe County records, as of December 5, 2025

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	2 Individual Names on Record
Mailing Address	675 N LAKE DR, KEY LARGO, FL 33037-2777
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2013 · Amount on Record
Deed Sale	Jul 8, 2013 · Amount on Record
Prior Sale	Aug 12, 2016
Deed Document Number	0026380450
Deed Book / Page	2638 / 0450
Last Transfer Date	Jul 26, 2018
Transfer Doc	0029190495
Record Updated	Jun 8, 2026

July 2018: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	MONROE FL
Recording Date	Jul 26, 2018
Property Address	675 N LAKE DR, KEY LARGO, FL 33037-2777
Document Number	0029190495
Book / Page	002919 / 000495
Instrument Date	Jul 26, 2018
Instrument	2179773
Transaction Type	Foreclosure
Record Updated	Sep 3, 2018
Title Company	COASTAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,940.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	675 N LAKE DR KEY LARGO FL 330372777, KEY LARGO, FL 33037-2777

Mortgage

Document Number	29190497
Date	Jul 26, 2018
Book Page	002919/000497
Instrument	2179774

Lender

Name	MORTGAGE RESEARCH CTR
Type	Mortgage Company
Address	COLUMBIA, MT 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2048

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$365,119 (+5.99%)	$531,260 (-8.23%) Land $307,764 Building $223,496
2024	$3,267.00 (+4.78%)
2023	$3,118.00 (+5.48%) Senior Citizen's exemption	$344,495 (+3%)	$578,903 (+26.29%) Land $370,800 Building $208,103
2022	$2,956.00 Senior Citizen's exemption	$334,462	$458,401 Land $244,728 Building $213,673

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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 281 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	299 units insured incl. 18 condo units
Nearby Flood Claims	163 (1992–2024)
Claims Outside the SFHA	3 of 163
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Irma, Sep 2017 · 29 claims Hurricane Wilma, Oct 2005 · 96 claims Hurricane Georges, Sep 1998 · 12 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 Risk	Low lower than 98% of the US · lower than 97.6% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 305 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	2,000 / 250
T-Mobile Fixed Wireless	100 / 20