Monroe County property record for 85 E Lake Rd, Key Largo, FL 33037 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,848 sqft · built 2019 |
| Lot Size | 0.253 acres (11,017 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $5,800,000 (Apr 2026) |
| Tax Bill | $21,555 (2024) |
| Deeds & Mortgages | Apr 2026 Sale Jan 2020 Sale + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00080020-000285 |
| Primary APN | 00080020-000285 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 3,848 sqft Living Area |
| Gross Area | 4,524 sqft Gross Area |
| Stories | 2 Stories |
| Flooring | Ceramic Tile |
| Interior Walls | Plaster |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Other |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 11,017 sqft (0.253 acres) |
| Garage Type | Attached |
| Garage Area | 676 sqft Garage |
| Porch | Open Porch |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 8783019 |
|---|---|
| Street Address | 85 E LAKE RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3608 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 13 59 40 PT GOVT LOT 1 (PARCEL 85) .2529 AC OR1149-1769/89 OR1177-2394/95 OR1322-2343/65 OR1322-2380/400 OR1382-321/335DEC OR2550-597 OR2602-1001/02C OR2906-1251/53 OR3005-2080 |
| Legal Range | 40E |
| Legal Township | 59S |
| Legal Section | 13 |
| Legal Subdivision | ANGLERS CLUB CONDO |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 972700 |
Source: Monroe County records · APN 00080020-000285
Assessment roll updated December 8, 2025 · Last verified May 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 File |
|---|---|
| Mailing Address | 553 SUNNYSIDE DR, LOUISVILLE, KY 40206-2918 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 17, 2026 | Warranty Deed, Transfer REEF TITLE |
| Jan 27, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| May 11, 2018 | Warranty Deed, Transfer · Conventional Mortgage ACADEMY AT OCEAN REEF INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 17, 2026 · Amount on Record |
| Deed Sale | Apr 17, 2026 · Amount on Record |
| Prior Sale | Jan 27, 2020 · Amount on Record |
| Deed Document Number | 20262539901 |
| Deed Book / Page | 3376 / 1381 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 17, 2026 |
| Property Address | 85 E LAKE RD, KEY LARGO, FL 33037-3608 |
| Document Number | 0002539901 |
| Book / Page | 3376 / 1381 |
| Instrument Date | Apr 09, 2026 |
| Instrument | 2026.2539901 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2026 |
| Title Company | REEF TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,100,600.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 553 SUNNYSIDE DR, LOUISVILLE, KY 40206-2918 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jan 27, 2020 |
| Property Address | 85 E LAKE RD, KEY LARGO, FL 33037-3608 |
| Document Number | 0030052080 |
| Book / Page | 003005 / 002080 |
| Instrument Date | Jan 09, 2020 |
| Instrument | 2253607 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,701.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 40-44 S WASHINGTON ST NEW BREMEN OH 458691288, NEW BREMEN, OH 45869-1288 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 11, 2018 |
| Property Address | 85 E LAKE RD, KEY LARGO, FL 33037-3608 |
| Document Number | 0029061251 |
| Book / Page | 002906 / 001251 |
| Instrument Date | May 10, 2018 |
| Instrument | 2168889 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2018 |
| Title Company | REEF TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,500.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 400 S WASHINGTON ST NEW BREMEN OH 45869, NEW BREMEN, OH 45869 |
| Document Number | 29061254 |
|---|---|
| Date | May 11, 2018 |
| Book Page | 002906/001254 |
| Instrument | 2168890 |
| Name | ACADEMY AT OCEAN REEF INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,343,532 (+72.36%) Land $4,145,146 Building $1,198,386 | $5,343,532 (+72.36%) Land $4,145,146 Building $1,198,386 | |
| 2024 | $21,555.00 (+4.39%) | ||
| 2023 | $20,648.00 (+13.64%) | $3,100,264 (+14.7%) Land $1,948,219 Building $1,152,045 | $3,100,264 (+14.7%) Land $1,948,219 Building $1,152,045 |
| 2022 | $18,169.00 | $2,702,952 Land $1,546,236 Building $1,156,716 | $2,702,952 Land $1,546,236 Building $1,156,716 |
Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 10.0 ft |
| Wildfire Risk | Moderate above 60% of the US · above 34% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 671 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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