Monroe County property record for 813 N Topaz St, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,795 sqft · built 2022 |
| Lot Size | 0.124 acres (5,420 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $277,500 (Mar 2014) |
| Tax Bill | $5,600 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00486851-005200 |
| Primary APN | 00486851-005200 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,795 sqft Living Area |
| 1st Floor Area | 1,884 sqft |
| Interior Walls | Wallboard/Drywall |
| Elevator | Elevator |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,420 sqft (0.124 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 1,060 sqft |
| Deck Area | 480 sqft |
| Patio Area | 860 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1596957 |
|---|---|
| Old Parcel Number | 12623800486851005200 |
| Street Address | 813 N TOPAZ ST |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3846 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 813 N TOPAZ AVE 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 | 3,813 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 970600 |
Source: Monroe County records, as of December 5, 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 |
|---|---|
| Mailing Address | 432 CONGRESS ST, CAPE MAY, NJ 08204-5315 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 1, 2014 · Amount on Record |
| Deed Sale | Mar 1, 2014 · Amount on Record |
| Deed Document Number | 0002677605 |
| 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 | $680,566 (+4.52%) | $716,160 (+9.98%) Land $265,358 Building $450,802 | |
| 2024 | $5,600.00 (+0.21%) | ||
| 2023 | $5,588.00 (+262.15%) | $651,146 (+241.39%) Land $226,760 Building $424,386 | $651,146 (+241.39%) Land $226,760 Building $424,386 |
| 2022 | $1,543.00 | $190,732 Land $168,864 Building $21,868 | $190,732 Land $168,864 Building $21,868 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 | 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.
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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