70 Ocean Front Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 70 Ocean Front Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,664 sqft · built 1993
Lot Size	1.21 acres (52,843 sqft)
Owner	Individual Name on Record
Last Sale	$3,400,000 (Feb 2022)
Tax Bill	$26,790 (2024)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`00498710-000100`

Property Details

APN / Parcel Number

Primary APN	`00498710-000100`
Alternative APNs	`33613900498710000100` `8764600`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	3 Stories
Building Area	3,664 sqft Living Area
1st Floor Area	3,934 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2010
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Pile
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	52,843 sqft (1.21 acres)
Garage Area	516 sqft

Exterior Amenities

Pool Area	800 sqft
Porch	Open Porch
Porch Area	1,666 sqft
Deck Area	1,200 sqft
Patio Area	4,200 sqft
Fence	Fence
Water Feature	Water Feature

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	8764600
Old Parcel Number	33613900498710000100
Street Address	70 OCEAN FRONT DR
City	KEY LARGO
State	FL
Zip	33037-4240
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AMD AND EXT PLAT OF KEY LARGO OCEAN SHORES PB4-18 KEY LARGO PT TRACT 5 AND ADJ BAY BOTTOM OR1104-1514/15 OR1187-1523/24
Legal Range	39E
Legal Township	61S
Legal Section	33
Legal Subdivision	AMENDED & EXTENDED PLAT OF KEY LARGO OCE
Legal Tract	5
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2000
Census Tract	970500

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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	5930 MOSS RANCH RD, PINECREST, FL 33156-5637
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2022 · Amount on Record
Deed Sale	Feb 1, 2022 · Amount on Record
Prior Sale	Aug 3, 2000 · Amount on Record
Deed Document Number	0031602084
Deed Book / Page	2756 / 1633
Prior Transfer Date	Aug 19, 2015
Prior Transfer Doc	2042189
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 15, 2022
Property Address	70 OCEAN FRONT DR, KEY LARGO, FL 33037-4240
Document Number	0031602084
Book / Page	3160 / 2084
Map Reference	MB 4 PG 18
Instrument Date	Feb 25, 2022
Instrument	2365749
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$23,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	70 OCEAN FRONT DR, 70, KEY LARGO, FL 33037-4240

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5930 MOSS RANCH RD, PINECREST, FL 33156-5637

Mortgage

Document Number	0031602087
Date	Mar 15, 2022
Instrument	3160/2087

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

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		$3,470,953 (+10.57%) Land $2,220,821 Building $1,250,132	$3,470,953 (+10.57%) Land $2,220,821 Building $1,250,132
2024	$26,790.00 (+2.5%)
2023	$26,137.00 (+19.31%)	$3,139,111 (+16.05%) Land $1,918,946 Building $1,220,165	$3,139,111 (+16.05%) Land $1,918,946 Building $1,220,165
2022	$21,906.00	$2,704,965 Land $1,316,946 Building $1,388,019	$2,704,965 Land $1,316,946 Building $1,388,019

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 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 595 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	839 units insured incl. 244 condo units
Nearby Flood Claims	304 (1983–2025)
Claims Outside the SFHA	8 of 304
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 221 claims Hurricane Irene, Oct 1999 · 24 claims Hurricane Georges, Sep 1998 · 24 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 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.

Internet Providers

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