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

Monroe County property record for 689 N Lake Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 800 sqft · built 1986
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on Record
Last Sale	$357,000 (Jan 2017)
Tax Bill	$2,412 (2024)
Deeds & Mortgages	Jan 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00548700-000000`

Property Details

APN / Parcel Number

Primary APN	`00548700-000000`
Alternative APNs	`14613900548700000000` `1672181`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	800 sqft Living Area
1st Floor Area	800 sqft
Attic	Attic
Attic Area	250 sqft
Flooring	Concrete/Cement
Interior Walls	Masonry

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2006
Exterior Material	Wood
Construction Type	Wood
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
Garage Area	250 sqft
Carport	Carport
Carport Area	250 sqft
Porch	Open Porch
Porch Area	100 sqft
Patio Area	20 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1672181
Street Address	689 N LAKE DR
City	KEY LARGO
State	FL
Zip	33037-2778
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 6 LT 7 TWIN LAKES KEY LARGO PB3-160 OR446-558 OR822-1374 OR964-1324 OR964-1325 OR983-861AFF OR983-862C OR983-863 OR1570-425/26 OR1570-427 OR1784-971 OR1899-868 OR2032-658AFF OR2032-630/31 OR2833-2463/64
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	TWIN LAKES
Legal Block	6
Legal Lot Number	7
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3000
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 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	689 N LAKE DR, KEY LARGO, FL 33037-2778
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 9, 2017 · Amount on Record
Deed Sale	Jan 9, 2017 · Amount on Record
Prior Sale	Aug 5, 2004 · Amount on Record
Deed Document Number	20172105986
Deed Book / Page	2833 / 2463
Transfer Doc	0015700427
Record Updated	Jun 8, 2026

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 9, 2017
Property Address	689 N LAKE DR, KEY LARGO, FL 33037-2778
Document Number	0028332463
Book / Page	2833 / 2463
Map Reference	MB3 PG160
Instrument Date	Dec 28, 2016
Instrument	2105986
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	REEF TITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,499.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	689 N LAKE DR, 689, KEY LARGO, FL 33037-2778

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	689 N LAKE DR, KEY LARGO, FL 33037-2778

Mortgage

Document Number	0002105987
Date	Jan 9, 2017
Instrument	2105987

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

Tax Assessment & Valuation

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		$285,429 (+5.99%)	$443,456 (-10.79%) Land $307,764 Building $135,692
2024	$2,412.00 (+6.26%)
2023	$2,270.00 (+6.17%) Homeowner's exemption	$269,306 (+3%)	$497,080 (+30.53%) Land $370,800 Building $126,280
2022	$2,138.00 Homeowner's exemption	$261,463	$380,803 Land $244,728 Building $136,075

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