81 John Silver Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 81 John Silver Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 1955
Lot Size	0.086 acres (3,750 sqft)
Owner	Individual Name on File
Last Sale	$469,600 (Mar 2026)
Tax Bill	$3,239 (2024)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00494100-000000`

Property Details

APN / Parcel Number

Primary APN	`00494100-000000`
Alternative APNs	`32613900494100000000` `1610267`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	840 sqft Living Area
Gross Area	1,137 sqft
1st Floor Area	840 sqft
Flooring	Ceramic Tile
Interior Walls	Masonry
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,750 sqft (0.086 acres)
Lot Dimensions	50 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	297 sqft
Porch	Open Porch
Porch Area	315 sqft
Patio Area	295 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1610267
Street Address	81 JOHN SILVER DR
City	KEY LARGO
State	FL
Zip	33037-2381
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS-M
Legal Description	BK 9 LT 6 AND SE 1/2 LT 7 PIRATES COVE-KEY LARGO PB3-18 OR679-411/13 OR679-414 OR681-532 OR804-1951 OR839-1679 OR839-1680 OR955-2233 OR1184-1396/AFF OR1184-1399 OR1567-515 OR2515-316
Legal Range	39E
Legal Township	61S
Legal Section	32
Legal Subdivision	PIRATES COVE
Legal Block	9
Legal Lot Number	6,7
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2064
Census Tract	970500

Owner

81 John Silver Dr is owned and occupied by an individual who bought it in March 2026.

Source: Monroe County records, as of April 9, 2026

Owner of Record	Individual Name on File
Mailing Address	81 JOHN SILVER DR, KEY LARGO, FL 33037-2381
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2026 · Amount on File
Deed Sale	Mar 26, 2026 · Amount on File
Prior Sale	Apr 28, 2011 · Amount on File
Deed Document Number	20262537145
Deed Book / Page	3372 / 2047
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 26, 2026
Property Address	81 JOHN SILVER DR, KEY LARGO, FL 33037-2381
Document Number	0033722047
Book / Page	3372 / 2047
Map Reference	MB 3 PG 18
Instrument Date	Mar 25, 2026
Instrument	2537145
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,287.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 245, QUINCY, CA 95971-0245

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 JOHN SILVER DR, KEY LARGO, FL 33037-2381
Investor	Possibly a Property Investor

Mortgage

Document Number	0033722049
Date	Mar 26, 2026
Instrument	3372/2049

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Tax Assessment & Valuation

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		$421,829 Land $280,800 Building $141,029	$421,829 Land $280,800 Building $141,029
2024	$3,239.00 (+4.42%)
2023	$3,102.00 (+12.6%)	$374,595 (+18.6%) Land $244,125 Building $130,470	$374,595 (+18.6%) Land $244,125 Building $130,470
2022	$2,755.00	$315,838 Land $187,031 Building $128,807	$315,838 Land $187,031 Building $128,807

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

Flood

FEMA maps place 81 John Silver Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 81 John Silver Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 94% 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 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20