8 Ocean Reef Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 8 Ocean Reef Dr, Key Largo, FL 33037

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.434 acres (18,922 sqft)
Owner	Individual Name on Record
Last Sale	$985,000 (Feb 2021)
Tax Bill	$9,108 (2024)
Deeds & Mortgages	Dec 2025 Mortgage Feb 2021 Sale
Flood Zone	Zone AE (high risk)
APN	`00570940-000100`

Property Details

APN / Parcel Number

Primary APN	`00570940-000100`
Alternative APN	`9104597`

Exterior

Lot Area	18,922 sqft (0.434 acres)

Location & Zoning

Account Number	9104597
Street Address	8 OCEAN REEF DR
City	KEY LARGO
State	FL
Zip	33037-3747
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	BK 3 S 50 FT LT 18 AND ALL LOT 19 OCEAN REEF PLAT 3 PB4-91 KEY LARGO OR406-913/14 OR425-782/83 OR754-1964/65 OR773-799
Legal Subdivision	OCEAN REEF NO 3
Legal Block	3
Legal Lot Number	18-19
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3092
Census Tract	972700

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
Co-owner	Co-owner on Record
Mailing Address	31 OCEAN REEF DR STE C101, C101, KEY LARGO, FL 33037-5265
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Deed of Trust, Mortgage · Conventional Mortgage BANESCO USA
Feb 4, 2021	Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2021 · Amount on Record
Deed Sale	Feb 4, 2021 · Amount on Record
Deed Document Number	2302567
Deed Book / Page	3073 / 1389
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	8 OCEAN REEF DR, KEY LARGO, FL 33037-3747
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 OCEAN REEF DR, KEY LARGO, FL 33037-5282

Mortgage

Document Number	0033590370
Date	Dec 22, 2025
Book Page	3359/370
Instrument	2526307

Lender

Name	BANESCO USA
Type	Bank
Address	MIAMI, FL 33122

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Jan 1, 2033
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	11%
Index	1-Year CMT
Margin	3
Max Rate	11%

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE FL
Recording Date	Feb 4, 2021
Property Address	8 OCEAN REEF DR, KEY LARGO, FL 33037-3747
Document Number	0030731389
Book / Page	3073 / 1389
Map Reference	MB 4 PG 91
Instrument Date	Jan 25, 2021
Instrument	2302567
Transaction Type	Transfer
Record Updated	Dec 8, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$6,895.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	942 S PINE CREEK RD, FAIRFIELD, CT 06824-6348

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 LANDINGS # B, B, KEY LARGO, FL 33037-3767

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		$3,278,237 (+105.88%) Land $3,278,237	$3,278,237 (+105.88%) Land $3,278,237
2024	$9,108.00 (+11.03%)	$1,592,286 (+14.86%) Land $1,592,286	$1,592,286 (+14.86%) Land $1,592,286
2023	$8,203.00 (+25.37%)	$1,386,226 (+40.95%) Land $1,386,226	$1,386,226 (+40.95%) Land $1,386,226
2022	$6,543.00	$983,471 Land $983,471	$983,471 Land $983,471

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	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 838 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	1,585 units insured incl. 747 condo units
Nearby Flood Claims	78 (2005–2023)
Claims Outside the SFHA	1 of 78
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 73 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 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% 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 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000

May also be available: AT&T, T-Mobile.

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