Monroe County property record for 851 Ellen Dr, Key Largo, FL 33037 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,916 sqft · built 1982 |
| Lot Size | 0.203 acres (8,848 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,332 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00550270-000000 |
| Primary APN | 00550270-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,916 sqft Living Area |
| 1st Floor Area | 1,916 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,848 sqft (0.203 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 1,692 sqft |
| Deck Area | 400 sqft |
| Patio Area | 400 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1673757 |
|---|---|
| Old Parcel Number | 14613900550270000000 |
| Street Address | 851 ELLEN DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2718 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 16 LT 10 TWIN LAKES KEY LARGO OR401-1051/1052 OR847-1358 OR867-296 OR902-770 OR1163-1759C OR1205-1344 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 14 |
| Legal Subdivision | TWIN LAKES |
| Legal Block | 16 |
| Legal Lot Number | 10 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 970400 |
Source: Monroe County records · APN 00550270-000000
Assessment roll updated July 1, 2025 · Last verified December 2025
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 | 851 ELLEN DR, KEY LARGO, FL 33037-2718 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $660,404 (+9.98%) | $1,199,550 (+12.04%) Land $892,485 Building $307,065 | |
| 2024 | $5,332.00 (+7%) | ||
| 2023 | $4,983.00 (+14.05%) Senior Citizen's exemption | $600,463 (+26.62%) | $1,070,609 (+43.6%) Land $780,925 Building $289,684 |
| 2022 | $4,369.00 Senior Citizen's exemption | $474,239 | $745,547 Land $471,987 Building $273,560 |
Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879704003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 281 individual NFIP policies nearby |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 299 units insured 18 under condo master policies |
| Nearby Flood Claims | 163 (1992–2024) |
| Claims Outside the SFHA | 3 of 163 |
| Most Recent Claim | Sep 2024, rainfall accumulation, Hurricane Helene |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| 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.
Source: NPS National Register of Historic Places · August 1, 2026 release · 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 305 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Xfinity | Cable | 2,000 / 250 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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