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862 Ellen Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 862 Ellen Dr, Key Largo, FL 33037 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,476 sqft · built 1973
Lot Size0.138 acres (6,000 sqft)
Owner2 Individual Names on File
Tax Bill$2,827 (2024)
Deeds & MortgagesApr 2021 Mortgage
Oct 2018 Mortgage
Flood ZoneZone AE (high risk)
APN00550020-000000

Property Details

APN / Parcel Number

Primary APN00550020-000000
Alternative APNs
  • 14613900550020000000
  • 1673501

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,476 sqft Living Area
1st Floor Area1,476 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 2005
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area6,000 sqft (0.138 acres)
Lot Dimensions100 ft deep x 60 ft wide
PorchOpen Porch
Porch Area324 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1673501
Street Address862 ELLEN DR
CityKEY LARGO
StateFL
Zip33037-2768
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 15 LT 5 TWIN LAKES PB3-160 KEY LARGO OR547-105 OR805-2157 OR2201-2207 OR2585-935 OR2738-1944 OR3087-1502
Legal Range39E
Legal Township61S
Legal Section14
Legal SubdivisionTWIN LAKES
Legal Block15
Legal Lot Number5
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group3
Census Block3003
Census Tract970400

Owner

Source: Monroe County records · APN 00550020-000000

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 Record2 Individual Names on File
Mailing Address862 ELLEN DR, KEY LARGO, FL 33037-2768
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 07, 2021Intrafamily Transfer, Transfer · VA Mortgage
LAKEVIEW COMMUNITY CAPITAL LLC
Oct 15, 2018Deed of Trust, Mortgage · VA Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 07, 2021
Deed SaleApr 07, 2021
Prior SaleMay 05, 2015 · Amount on Record
Deed Document Number20212312506
Deed Book / Page3087 / 1502
Prior Transfer DateFeb 25, 2021
Prior Transfer Doc0030871502
Record UpdatedJun 08, 2026

April 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateApr 07, 2021
Property Address862 ELLEN DR, KEY LARGO, FL 33037-2768
Document Number0030871502
Book / Page3087 / 1502
Map ReferenceMB 3 PG 160
Instrument DateFeb 25, 2021
Instrument2312506
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address862 ELLEN DR, KEY LARGO, FL 33037-2768

Mortgage

Document Number0030871505
DateApr 07, 2021
Instrument3087/1505
Lender
NameLAKEVIEW COMMUNITY CAPITAL LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2051

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address862 ELLEN DR, KEY LARGO, FL 33037-2768
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0029311740
DateOct 15, 2018
Book Page2931/1740
Instrument2190571
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$307,641 (+5.99%)$486,906 (-2.44%) Land $263,940 Building $222,966
2024$2,827.00 (+5.21%)
2023$2,687.00 (+5.25%) Senior Citizen's exemption$290,264 (+3%)$499,107 (+27.62%) Land $318,000 Building $181,107
2022$2,553.00 Senior Citizen's exemption$281,810$391,078 Land $209,880 Building $181,198

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation9.0 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

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

Listed AreaWithin 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.

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