76 Ocean Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 76 Ocean Dr, Key Largo, FL 33037

Property Summary

Property Type	Mobile Home
Details	3 bd · 1 ba · 2,008 sqft · built 1971
Lot Size	0.716 acres (31,200 sqft)
Owner	2 Company Names on File
Last Sale	$3,200,000 (Jul 2026)
Tax Bill	$21,887 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Dec 2018 Sale
Flood Zone	Zone VE (high risk)
APN	`00555011-008700`

Property Details

APN / Parcel Number

Primary APN	`00555011-008700`
Alternative APNs	`06623900555011008700` `1681351`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,008 sqft Living Area
1st Floor Area	2,008 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2010
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	31,200 sqft (0.716 acres)
View / Lot	Waterfront
Garage Area	513 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	764 sqft
Deck Area	2,101 sqft
Patio Area	2,101 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1681351
Street Address	76 OCEAN DR
City	KEY LARGO
State	FL
Zip	33037-4034
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	URM
Legal Description	THE HARBORAGE KEY LARGO PB 6-46 PT TR B AND 1.42 PERCENT COMMON ELEMENTS AND ADJ PARCEL OF LAND OR596-624 OR787-752 OR1416-681/82 OR1416-719/20 OR1509-561/62CERT OR2006-208/11 OR2490-602/04
Legal Range	39E
Legal Township	62S
Legal Section	06
Legal Subdivision	HARBORAGE, THE
Legal Tract	B
Legal Block	1
Legal Lot Number	B
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2004
Census Tract	970600

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

76 Ocean Dr, a mobile home, is owned by a company that bought it in July 2026.

Source: Monroe County records, as of July 23, 2026

Owner of Record	2 Company Names on File
Mailing Address	14963 SW 175TH ST, MIAMI, FL 33187-1831
Owner Type	Company
Vesting	Life Tenant

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK
Dec 13, 2018	Warranty Deed, Transfer CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2026 · Amount on File
Deed Sale	Jul 10, 2026 · Amount on File
Prior Sale	May 19, 2004 · Amount on File
Deed Document Number	20262551324
Deed Book / Page	3391 / 1247
Transfer Doc	1416000719
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 10, 2026
Property Address	76 OCEAN DR, KEY LARGO, FL 33037-4034
Document Number	0002551324
Book / Page	3391 / 1247
Instrument Date	Jun 29, 2026
Instrument	20262551324
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,262,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	14963 SW 175TH ST, MIAMI, FL 33187-1831

Mortgage

Document Number	0002551325,
Date	Jul 10, 2026
Instrument	20262551325

Lender

Name	FIRST STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 13, 2018
Property Address	76 OCEAN DR, KEY LARGO, FL 33037-4034
Document Number	0029400642
Book / Page	002940 / 000642
Instrument Date	Dec 11, 2018
Instrument	2198239
Transaction Type	Transfer
Record Updated	Jan 17, 2019
Title Company	CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Transaction

Amount	Amount on Record
Tax	$4,200.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	72 OCEAN DR KEY LARGO FL 330374034, KEY LARGO, FL 33037-4034

Tax Assessment & Valuation

The 2025 property tax bill for 76 Ocean Dr was $21,887, up 11.2% 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	$21,887.00 (+11.23%)	$2,905,680 Land $2,677,643 Building $228,037	$2,905,680 Land $2,677,643 Building $228,037
2024	$19,678.00 (+5.16%)
2023	$18,713.00 (+17.85%)	$2,680,556 (+22.22%) Land $2,456,513 Building $224,043	$2,680,556 (+22.22%) Land $2,456,513 Building $224,043
2022	$15,878.00	$2,193,276 Land $1,965,113 Building $228,163	$2,193,276 Land $1,965,113 Building $228,163

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

Flood

FEMA maps place 76 Ocean Dr in Zone VE, a high-risk coastal 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 VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	14.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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	Hurricane Irma, Sep 2017 · 156 claims Hurricane Irene, Oct 1999 · 11 claims Hurricane Georges, Sep 1998 · 30 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

The area around 76 Ocean Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications.

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