849 Ellen Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 849 Ellen Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,527 sqft · built 1965
Lot Size	0.181 acres (7,900 sqft)
Owner	Individual Name on File
Last Sale	$1,250,000 (Aug 2023)
Tax Bill	$4,835 (2024)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Aug 2022 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00550280-000000`

Property Details

APN / Parcel Number

Primary APN	`00550280-000000`
Alternative APNs	`14613900550280000000` `1673765`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,527 sqft Living Area
1st Floor Area	2,527 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	7,900 sqft (0.181 acres)
View / Lot	Canal

Exterior Amenities

Porch	Florida Room
Porch Area	315 sqft
Patio Area	3,605 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1673765
Street Address	849 ELLEN DR
City	KEY LARGO
State	FL
Zip	33037-2718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 16 LT 11 TWIN LAKES KEY LARGO PB3-160 OR445-3 OR780-1512 OR890-2058 OR1535-2083 OR1968-1693 OR2419-1967 OR2457-2285 OR2518-2281 OR3095-562 OR3095-0545 OR3237-1356
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	TWIN LAKES
Legal Block	16
Legal Lot Number	11
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3000
Census Tract	970400

Owner

Source: Monroe County records · APN 00550280-000000

Assessment roll updated December 8, 2025 · Last verified April 2026

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	849 ELLEN DR, KEY LARGO, FL 33037-2718
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 07, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 10, 2022	Deed of Trust, Mortgage HOMETAP INVESTMENT PARTNERS III SPV LLC
May 05, 2021	Warranty Deed, Transfer · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 07, 2023 · Amount on Record
Deed Sale	Aug 07, 2023 · Amount on Record
Prior Sale	May 05, 2021 · Amount on Record
Deed Document Number	20232427716
Deed Book / Page	3237 / 1356
Prior Transfer Date	May 02, 2011
Prior Transfer Doc	0025182281
Record Updated	Jun 08, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 07, 2023
Property Address	849 ELLEN DR, KEY LARGO, FL 33037-2718
Document Number	0032371356
Book / Page	3237 / 1356
Map Reference	MB 3 PG 160
Instrument Date	Aug 01, 2023
Instrument	2427716
Transaction Type	Transfer
Record Updated	Aug 28, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$8,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	308 BENT PINE DR, COLUMBIA, SC 29212-1511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	849 ELLEN DR, KEY LARGO, FL 33037-2718

Mortgage

Document Number	0032371358
Date	Aug 07, 2023
Instrument	3237/1358

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2053

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	849 ELLEN DR, KEY LARGO, FL 33037-2718
Transaction Type	Mortgage
Record Updated	Sep 05, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	849 ELLEN DR, KEY LARGO, FL 33037-2718

Mortgage

Document Number	0031881410
Date	Aug 10, 2022
Book Page	3188/1410
Instrument	2387093

Lender

Name	HOMETAP INVESTMENT PARTNERS III SPV LLC
Type	Non-Lending Institution
Address	BOSTON, MA 02199

Agreement

Amount	Amount Recorded

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 05, 2021
Property Address	849 ELLEN DR, KEY LARGO, FL 33037-2718
Document Number	0030950545
Book / Page	3095 / 545
Map Reference	MB 3 PG 160
Instrument Date	Apr 27, 2021
Instrument	2317961
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	FLORIDA TITLE/KEYS, FLORIDA TITLE OF THE KEYS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5,670.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 ELM TREE LN, 11, PELHAM, NY 10803-3517

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	849 ELLEN DR, KEY LARGO, FL 33037-2718

Mortgage

Document Number	0003095546
Date	May 05, 2021
Instrument	3095/546

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2051

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$564,586 (-42.05%)	$1,077,865 (+10.63%) Land $666,247 Building $411,618
2024	$4,835.00 (-38.13%)
2023	$7,815.00 (+18.37%)	$974,320 (+27.27%) Land $632,336 Building $341,984	$974,320 (+27.27%) Land $632,336 Building $341,984
2022	$6,602.00	$765,560 Land $420,892 Building $344,668	$765,560 Land $420,892 Building $344,668

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879704003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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 281 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	299 units insured incl. 18 condo units
Nearby Flood Claims	163 (1992–2024)
Claims Outside the SFHA	3 of 163
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Irma, Sep 2017 · 29 claims Hurricane Wilma, Oct 2005 · 96 claims Hurricane Georges, Sep 1998 · 12 claims

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026

Listed Area	Within John Pennekamp Coral Reef State Park and Reserve listed 1972 · 10 contributing resources · NRIS 72000340

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 305 locations within half a mile of this property.

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