Monroe County property record for 821 S Ruby Dr, Key Largo, FL 33037
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 2 ba · 1,272 sqft · built 1982 |
| Lot Size | 0.093 acres (4,080 sqft) |
| Owner | Company Name on File |
| Tax Bill | $1,012 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00486852-009700 |
| Primary APN | 00486852-009700 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,272 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Metal |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Flat |
| Roof Material | Metal |
| Lot Area | 4,080 sqft (0.093 acres) |
| Lot Dimensions | 85 ft deep x 48 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 400 sqft |
| Patio Area | 288 sqft |
| Cooling System | HVAC |
|---|
| Account Number | 1598593 |
|---|---|
| Old Parcel Number | 12623800486852009700 |
| Street Address | 821 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 GOVT LOT 3 & PT TR 1 SEC 12 TWP 62 RGE 38 SILVER SHORES MOBILE HOME PARK LOT 821 |
| 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 | 2019 |
| Census Tract | 970600 |
821 S Ruby Dr, a mobile home, is owned by a company that acquired it in May 2024 and is owner-occupied.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 821 S RUBY DR, KEY LARGO, FL 33037-3861 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 6, 2024 |
| Deed Sale | May 6, 2024 |
| Deed Document Number | 2460653 |
| Deed Book / Page | 3274 / 2176 |
| 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 | $81,627 | $286,053 Land $228,888 Building $57,165 | |
| 2024 | $1,012.00 (+11.45%) | ||
| 2023 | $908.00 (+3.3%) Homeowner's exemption | $77,017 (+3%) | $249,116 (+23.77%) Land $195,595 Building $53,521 |
| 2022 | $879.00 Homeowner's exemption | $74,774 | $201,266 Land $145,656 Building $55,610 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 821 S Ruby Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 Ruby 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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