Monroe County property record for 805 S Emerald Dr, Key Largo, FL 33037
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 2 ba · 1,176 sqft · built 1979 |
| Lot Size | 0.103 acres (4,500 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,485 (2024) |
| Deeds & Mortgages | Dec 2025 Assignment Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 00486852-001400 |
| Primary APN | 00486852-001400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| 1st Floor Area | 1,176 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Metal |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Flat |
| Roof Material | Other |
| Lot Area | 4,500 sqft (0.103 acres) |
| Lot Dimensions | 90 ft deep x 50 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Finished/Screened Porch |
| Porch Area | 276 sqft |
| Deck Area | 294 sqft |
| Patio Area | 39 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1597767 |
|---|---|
| Old Parcel Number | 12623800486852001400 |
| Street Address | 805 S EMERALD DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3812 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | LT 805 S EMERALD DR SILVER SHORES MOBILE HOME PARK PLAT OF SURVEY OF LIME GROVE ESTS PB5-52 PT TR 1 AND PT GOVT LOT 3 SEC 12 |
| Legal Range | 38E |
| Legal Township | 62S |
| Legal Section | 12 |
| Legal Subdivision | SILVER SHORES MOBILE HOMES |
| Legal Tract | 1 |
| Legal Lot Number | 3,805 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 970600 |
Source: Monroe County records, as of December 25, 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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 805 S EMERALD DR, KEY LARGO, FL 33037-3812 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 3, 2025 | Assignment of Lease, Transfer |
| Jul 26, 2021 | Deed of Trust, Mortgage · Commercial Mortgage SOUTH STATE BANK NATIONAL ASSOCIATION |
| Jan 18, 2019 | Deed of Trust, Mortgage STEARNS LNDG LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 3, 2025 |
| Deed Sale | Dec 3, 2025 |
| Deed Document Number | 0033560820 |
| Deed Book / Page | 3356 / 820 |
| Record Updated | Jun 8, 2026 |
| Document Type | Assignment of Lease |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Dec 3, 2025 |
| Property Address | 805 S EMERALD DR, KEY LARGO, FL 33037-3812 |
| Document Number | 0033560820 |
| Book / Page | 3356 / 820 |
| Map Reference | MB 412 PG 1053 |
| Instrument Date | Dec 3, 2025 |
| Instrument | 2524250 |
| Transaction Type | Transfer |
| Record Updated | Dec 26, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 805 S EMERALD DR, KEY LARGO, FL 33037-3812 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 805 S EMERALD DR, KEY LARGO, FL 33037-3812 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4000 NE 168TH ST, NORTH MIAMI BEACH, FL 33160-3595 |
| Document Number | 0031142206 |
|---|---|
| Date | Jul 26, 2021 |
| Book Page | 3114/2206 |
| Instrument | 2331826 |
| Name | SOUTH STATE BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Address | TAVERNIER, FL 33070 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 6, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 805 S EMERALD DR, KEY LARGO, FL 33037-3812 |
| Document Number | 0029460436 |
| Instrument Date | Jan 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4220 SW 156TH PL MIAMI FL 331855241, MIAMI, FL 33185-5241 |
| Document Number | 0029460436 |
|---|---|
| Date | Jan 25, 2019 |
| Book Page | 002946/000436 |
| Instrument | 2203262 |
| Name | STEARNS LNDG LLC |
|---|---|
| Address | SANTA ANA, CA 92707 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 24, 2049 |
Source: Monroe County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $143,679 (-43.32%) | $291,134 (+14.86%) Land $235,125 Building $56,009 | |
| 2024 | $2,485.00 (+7.48%) | ||
| 2023 | $2,312.00 (+16.01%) | $253,474 (+25.37%) Land $200,925 Building $52,549 | $253,474 (+25.37%) Land $200,925 Building $52,549 |
| 2022 | $1,993.00 | $202,181 Land $149,625 Building $52,556 | $202,181 Land $149,625 Building $52,556 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% 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.
Source: FCC Broadband Data Collection, based on 257 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Hotwire Communications Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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