Monroe County property record for 815 S Ruby Dr, Key Largo, FL 33037 · Last verified December 2025
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 2 ba · 1,311 sqft · built 1979 |
| Lot Size | 0.093 acres (4,077 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,502 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00486852-009400 |
| Primary APN | 00486852-009400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,311 sqft Living Area |
| 1st Floor Area | 1,300 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 4,077 sqft (0.093 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 288 sqft |
| Deck Area | 600 sqft |
| Patio Area | 21 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1598569 |
|---|---|
| Old Parcel Number | 12623800486852009400 |
| Street Address | 815 S RUBY DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3861 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | PLAT OF SURVEY OF LIME GROVE ESTS PB5-52 PT TR 1 & PT GOVT LOT 3 SEC 12 TWP 62 RGE 38 SILVER SHORES MOBILE HOME PARK LOT 815 |
| Legal Range | 38E |
| Legal Township | 62S |
| Legal Section | 12 |
| Legal Subdivision | SILVER SHORES MOBILE HOMES |
| Legal Tract | 1 |
| Legal Lot Number | 3,815 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 970600 |
Source: Monroe County records · APN 00486852-009400
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 815 S RUBY DR, KEY LARGO, FL 33037-3861 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 01, 2024 |
| Deed Sale | Oct 01, 2024 |
| Deed Document Number | 0003297226 |
| Record Updated | Jun 08, 2026 |
Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $150,792 (+5.99%) | $353,712 (+10.58%) Land $228,720 Building $124,992 | |
| 2024 | $1,502.00 (+8.37%) | ||
| 2023 | $1,386.00 (+1.99%) Senior Citizen's exemption | $142,275 (+3%) | $319,863 (+15.52%) Land $195,451 Building $124,412 |
| 2022 | $1,359.00 Senior Citizen's exemption | $138,132 | $276,892 Land $145,549 Building $131,343 |
Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879706002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 425 individual NFIP policies nearby |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 957 units insured (532 under condo master policies) 166 of 425 individual policies on primary residences |
| Nearby Flood Claims | 227 (1982–2022) |
| Claims Outside the SFHA | 13 of 227 |
| Most Recent Claim | Sep 2022, other causes, Hurricane Ian |
| Flood Events |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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