Monroe County property record for 818 S Emerald Dr, Key Largo, FL 33037
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 2 ba · 984 sqft · built 1979 |
| Lot Size | 0.098 acres (4,250 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $115,500 (Jun 2015) |
| Tax Bill | $2,777 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 00486852-001000 |
| Primary APN | 00486852-001000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 984 sqft Living Area |
| 1st Floor Area | 984 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Mobile Home |
| Exterior Material | Metal |
| Construction Type | Metal Frame |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 4,250 sqft (0.098 acres) |
| Lot Dimensions | 85 ft deep x 50 ft wide |
| Garage Type | Covered |
| Garage Area | 340 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 248 sqft |
| Deck Area | 312 sqft |
| Patio Area | 186 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1597724 |
|---|---|
| Street Address | 818 S EMERALD DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3813 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | URM |
| 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 818 SOUTH EMERALD DRIVE OR795-2052 OR1326-2214 OR1326-2218 OR1791-1558 OR2127-1247 OR2127-1250 OR2153-380 OR2301-911 OR2745-585 O |
| Legal Range | 38E |
| Legal Township | 62S |
| Legal Section | 12 |
| Legal Subdivision | SILVER SHORES MOBILE HOMES |
| Legal Tract | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 970600 |
Source: Monroe County records, as of September 3, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 818 S EMERALD DR, KEY LARGO, FL 33037-3813 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2026 | Deed of Trust, Mortgage · Balloon Mortgage ACUITY TITLE |
| Aug 2, 2021 | Deed of Trust, Mortgage SAIA RENTAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 4, 2015 · Amount on Record |
| Deed Sale | Jun 4, 2015 · Amount on Record |
| Prior Sale | Jun 8, 2007 · Amount on Record |
| Deed Book / Page | 2745 / 585 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 26, 2026 |
| Property Address | 818 S EMERALD DR, KEY LARGO, FL 33037-3813 |
| Document Number | 0002558397 |
| Book / Page | 3399 / 2076 |
| Instrument Date | Aug 13, 2026 |
| Instrument | 20262558397 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | ACUITY TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Trust, 212 |
| Address | 818 S EMERALD DR, KEY LARGO, FL 33037-3813 |
| Document Number | 0002558397, |
|---|---|
| Date | Aug 26, 2026 |
| Book Page | 3399/2076 |
| Instrument | 20262558397 |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate Type | Balloon |
|---|---|
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 818 S EMERALD DR, KEY LARGO, FL 33037-3813 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Title Company | ABSOLUTE FIRST TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 818 S EMERALD DR, KEY LARGO, FL 33037-3813 |
| Document Number | 0031161200 |
|---|---|
| Date | Aug 2, 2021 |
| Book Page | 3116/1200 |
| Instrument | 2333031 |
| Name | SAIA RENTAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | KEY LARGO, FL 33037 |
| Amount | Amount Recorded |
|---|
Source: Monroe County assessment roll, as of December 8, 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 | $2,777.00 (+10.37%) | $267,739 (+16.13%) Land $200,674 Building $67,065 | $267,739 (+16.13%) Land $200,674 Building $67,065 |
| 2024 | $2,516.00 (+8.68%) | ||
| 2023 | $2,315.00 (+14.1%) | $230,554 (+24.66%) Land $160,969 Building $69,585 | $230,554 (+24.66%) Land $160,969 Building $69,585 |
| 2022 | $2,029.00 | $184,942 Land $113,751 Building $71,191 | $184,942 Land $113,751 Building $71,191 |
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 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 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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