Monroe County property record for 859 Ellen Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,344 sqft · built 1980 |
| Lot Size | 0.223 acres (9,750 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,261 (2024) |
| Deeds & Mortgages | Jan 2020 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00550230-000000 |
| Primary APN | 00550230-000000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Pile |
| Roof Type | Reinforced Concrete |
| Roof Material | Other |
| Lot Area | 9,750 sqft (0.223 acres) |
| Lot Dimensions | 130 ft deep x 75 ft wide |
| Garage Area | 192 sqft |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 814 sqft |
| Deck Area | 330 sqft |
| Patio Area | 1,186 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1673714 |
|---|---|
| Street Address | 859 ELLEN DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2718 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 16 LT 6 TWIN LAKES PB3-160 KEY LARGO OR614-707 OR796-2089 OR879-1929 OR1286-2163 OR1398-2154/55 OR1398-2156/76TR |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 14 |
| Legal Subdivision | TWIN LAKES |
| Legal Block | 16 |
| Legal Lot Number | 6 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 970400 |
Source: NPS National Register of Historic Places, as of August 1, 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: Monroe County records, as of December 5, 2025
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 Record |
|---|---|
| Mailing Address | 859 ELLEN DR, KEY LARGO, FL 33037-2718 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ANTHONEY J & SUSAN M MARCHETTI |
| Aug 1, 2018 | Warranty Deed, Transfer · Conventional Mortgage EVA M & ROBERT C FERNICOLA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 15, 2019 |
| Deed Sale | May 15, 2019 |
| Prior Sale | Aug 1, 2018 · Amount on Record |
| Deed Document Number | 2220001 |
| Deed Book / Page | 2920 / 0434 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 859 ELLEN DR, KEY LARGO, FL 33037-2718 |
| Document Number | 0030122248 |
| Instrument Date | Jan 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 859 ELLEN DR KEY LARGO FL 330372718, KEY LARGO, FL 33037-2718 |
| Document Number | 0030122248 |
|---|---|
| Date | Mar 10, 2020 |
| Book Page | 003012/002248 |
| Instrument | 2259347 |
| Name | ANTHONEY J & SUSAN M MARCHETTI |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 1, 2018 |
| Property Address | 859 ELLEN DR, KEY LARGO, FL 33037-2718 |
| Document Number | 0029200434 |
| Book / Page | 002920 / 000434 |
| Instrument Date | Jul 31, 2018 |
| Instrument | 2180692 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2018 |
| Title Company | CORAL REEF TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,200.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 88181 OLD HWY ISLAMORADA FL 330363068, ISLAMORADA, FL 33036-3068 |
| Document Number | 29200435 |
|---|---|
| Date | Aug 1, 2018 |
| Book Page | 002920/000435 |
| Instrument | 2180693 |
| Name | EVA M & ROBERT C FERNICOLA |
|---|---|
| Address | 10300 KATY FWY # 455, HOUSTON, TX 77043-5136 |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jul 31, 2023 |
| Rate | 3.25% |
|---|
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 | $620,209 (+5.99%) | $1,219,113 (+12.56%) Land $922,740 Building $296,373 | |
| 2024 | $5,261.00 (+3.81%) | ||
| 2023 | $5,068.00 (+5.96%) Homeowner's exemption | $585,175 (+3%) | $1,083,098 (+41.25%) Land $807,398 Building $275,700 |
| 2022 | $4,783.00 Homeowner's exemption | $568,132 | $766,790 Land $487,988 Building $278,802 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 305 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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