Monroe County property record for 821 S Emerald Dr, Key Largo, FL 33037
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 2 ba · 1,228 sqft · built 1979 |
| Lot Size | 0.115 acres (5,040 sqft) |
| Owner | Individual Name on File |
| Last Sale | $365,500 (Oct 2023) |
| Tax Bill | $3,100 (2024) |
| Deeds & Mortgages | Aug 2018 Mortgage Jun 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 00486852-002200 |
| Primary APN | 00486852-002200 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,228 sqft Living Area |
| 1st Floor Area | 1,228 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Metal |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Flat |
| Roof Material | Metal |
| Lot Area | 5,040 sqft (0.115 acres) |
| Lot Dimensions | 90 ft deep x 50 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 648 sqft |
| Deck Area | 308 sqft |
| Patio Area | 308 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1597848 |
|---|---|
| Old Parcel Number | 12623800486852002200 |
| Street Address | 821 S EMERALD DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3812 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | LT 821 S EMERALD DR 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 | 3,821 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 970600 |
821 S Emerald Dr, a mobile home, is owned by an individual who bought it in October 2023.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10980 SW 91ST ST, MIAMI, FL 33176-1213 |
| 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.
| Date | Document |
|---|---|
| Aug 9, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CENTERSTATE BANK OF FLORIDA NA |
| Jun 20, 2017 | Grant Deed, Transfer · Conventional Mortgage CENTERSTATE BK/FL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 2023 · Amount on File |
| Deed Sale | Oct 1, 2023 · Amount on File |
| Deed Document Number | 0032482369 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 821 S EMERALD DR, KEY LARGO, FL 33037-3812 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SUNSHINE TITLE OF THE KEYS |
| Name | Verified Name |
|---|
| Document Number | 0029210886 |
|---|---|
| Date | Aug 9, 2018 |
| Book Page | 2921/0886 |
| Instrument | 2181801 |
| Name | CENTERSTATE BANK OF FLORIDA NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33881 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 1, 2038 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jun 20, 2017 |
| Property Address | 821 S EMERALD DR, KEY LARGO, FL 33037-3812 |
| Document Number | 0028601220 |
| Book / Page | 002860 / 001220 |
| Instrument Date | Jun 14, 2017 |
| Instrument | 2127964 |
| Transaction Type | Transfer |
| Record Updated | Jul 3, 2017 |
| Title Company | SUNSHINE TITLE CORPORATION, SUNSHINE TITLE CORP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,449.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 54 APPLEBLOSSOM LN NEWTOWN CT 064702202, NEWTOWN, CT 06470-2202 |
| Document Number | 28601222 |
|---|---|
| Date | Jun 20, 2017 |
| Book Page | 002860/001222 |
| Instrument | 2127965 |
| Name | CENTERSTATE BK/FL |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33881 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 19, 2037 |
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 | $348,010 Land $244,906 Building $103,104 | $348,010 Land $244,906 Building $103,104 | |
| 2024 | $3,100.00 (+71.56%) | ||
| 2023 | $1,807.00 (+5.12%) Homeowner's exemption | $190,211 (+3%) | $264,352 (+25.33%) Land $209,283 Building $55,069 |
| 2022 | $1,719.00 Homeowner's exemption | $184,671 | $210,918 Land $155,849 Building $55,069 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 821 S Emerald 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 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.
Wildfire risk around 821 S Emerald Dr is low, with less than a 0.01% annual chance of wildfire.
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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