Monroe County property record for 860 Ellen Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,751 sqft · built 1974 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | Company Name on Record |
| Last Sale | $275,000 (Jun 2009) |
| Tax Bill | $2,526 (2024) |
| Deeds & Mortgages | Oct 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00550030-000000 |
| Primary APN | 00550030-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,751 sqft Living Area |
| 1st Floor Area | 1,751 sqft |
| Attic | Attic |
| Attic Area | 132 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Garage Type | Carport |
| Garage Area | 132 sqft |
| Carport | Carport |
| Carport Area | 132 sqft |
| Porch | Florida Room |
| Porch Area | 640 sqft |
| Patio Area | 60 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1673510 |
|---|---|
| Street Address | 860 ELLEN DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2768 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 15 LT 6 TWIN LAKES PB3-160 KEY LARGO OR584-159 OR665-68 OR740-758 OR953-1485 OR1953-2100 OR2026-2231R/S OR2166-990/91 OR2419-362 OR2459-617/20 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 14 |
| Legal Subdivision | TWIN LAKES |
| Legal Block | 15 |
| Legal Lot Number | 6 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3003 |
| 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 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 860 ELLEN DR, KEY LARGO, FL 33037-2768 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 23, 2009 · Amount on Record |
| Deed Sale | Jun 23, 2009 · Amount on Record |
| Prior Sale | Nov 17, 2005 · Amount on Record |
| Deed Document Number | 20091747745 |
| Deed Book / Page | 2419 / 362 |
| Last Transfer Date | Mar 19, 2010 |
| Transfer Doc | 0024590617 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 860 ELLEN DR, KEY LARGO, FL 33037-2768 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2021 |
| Name | Verified Name |
|---|---|
| Address | 860 ELLEN DR, KEY LARGO, FL 33037-2768 |
| Document Number | 0031310257 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 3131/257 |
| Instrument | 2343690 |
| Name | AFFINITY FCU |
|---|---|
| Type | Credit Union |
| Address | BASKING RIDGE, NJ 07920 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
Source: Monroe County assessment roll, as of December 8, 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 | $263,221 (+5.99%) | $514,542 (-4.43%) Land $263,940 Building $250,602 | |
| 2024 | $2,526.00 (+5.51%) | ||
| 2023 | $2,394.00 (+5%) Homeowner's exemption | $248,353 (+3%) | $538,366 (+24.14%) Land $318,000 Building $220,366 |
| 2022 | $2,280.00 Homeowner's exemption | $241,120 | $433,685 Land $209,880 Building $223,805 |
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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