Monroe County property record for 81 Central Ave, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,088 sqft · built 1989 |
| Lot Size | 0.114 acres (5,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $105,000 (Apr 2000) |
| Tax Bill | $1,531 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00516970-000000 |
| Primary APN | 00516970-000000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,088 sqft Living Area |
| 1st Floor Area | 832 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,000 sqft (0.114 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 384 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1636223 |
|---|---|
| Street Address | 81 CENTRAL AVE |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 6 LT 21 BAY HAVEN SEC 2 PB2-34 KEY LARGO OR636-630 OR1113-2373 OR1629-455 OR2197-1846/70DEC OR2312-1281/83DEC |
| Legal Range | 38E |
| Legal Township | 62S |
| Legal Section | 14 |
| Legal Subdivision | BAY HAVEN SEC 2 |
| Legal Block | 6 |
| Legal Lot Number | 21 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 970600 |
81 Central Ave is owned and occupied by two individuals who bought it in April 2000.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 81 CENTRAL AVE, KEY LARGO, FL 33037-2014 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 20, 2000 · Amount on File |
| Deed Sale | Apr 20, 2000 · Amount on File |
| Deed Document Number | 0162900455 |
| Deed Book / Page | 01629 / 00455 |
| Record Updated | Jun 8, 2026 |
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 | $160,381 | $655,433 Land $240,000 Building $415,433 | |
| 2024 | $1,531.00 (+8.35%) | ||
| 2023 | $1,413.00 (-0.21%) | $151,323 (+3%) | $570,858 (+23.47%) Land $400,000 Building $170,858 |
| 2022 | $1,416.00 | $146,916 | $462,356 Land $287,500 Building $174,856 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 81 Central Ave in Zone AE, a high-risk 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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 272 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 272 in force |
| Nearby Flood Claims | 100 (1981–2024) |
| Claims Outside the SFHA | 9 of 100 |
| Most Recent Claim | May 2024 · rainfall accumulation |
| 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.
Wildfire risk around 81 Central Ave is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 216 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Hotwire Communications.
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