864 Ellen Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 864 Ellen Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 960 sqft · built 1977
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on Record
Tax Bill	$1,235 (2024)
Deeds & Mortgages	Nov 2023 Transfer
Flood Zone	Zone AE (high risk)
APN	`00550010-000000`

Property Details

APN / Parcel Number

Primary APN	`00550010-000000`
Alternative APNs	`14613900550010000000` `1673498`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1995
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	271 sqft
Patio Area	455 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1673498
Old Parcel Number	14613900550010000000
Street Address	864 ELLEN DR
City	KEY LARGO
State	FL
Zip	33037-2768
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 15 LT 4 TWIN LAKES KEY LARGO PB3-160 OR259-291/292 OR751-1205 OR795-2361 OR808-1342 OR853-272 OR3251-1610
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	TWIN LAKES
Legal Block	15
Legal Lot Number	4
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3003
Census Tract	970400

Historic Designation

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.

Owner

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	Individual Name on Record
Co-owner	2 Co-owners on Record
Mailing Address	13850 SE 98TH ST, DUNNELLON, FL 34431-7427
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Transfer Date	Nov 21, 2023
Transfer Doc	0032511610
Record Updated	Jun 8, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Nov 21, 2023
Property Address	864 ELLEN DR, KEY LARGO, FL 33037-2768
Document Number	0032511610
Book / Page	3251 / 1610
Map Reference	MB 3 PG 160
Instrument Date	Nov 21, 2023
Instrument	2440784
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	864 ELLEN DR, KEY LARGO, FL 33037-2768

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12850 SE 98TH LN, DUNNELLON, FL 34431-7434

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$406,157 (+214.43%) Land $263,940 Building $142,217	$406,157 (-9.29%) Land $263,940 Building $142,217
2024	$1,235.00 (+10.47%)
2023	$1,118.00 (+2.29%) Senior Citizen's exemption	$129,172 (+3%)	$447,753 (+34.96%) Land $318,000 Building $129,753
2022	$1,093.00 Senior Citizen's exemption	$125,410	$331,770 Land $209,880 Building $121,890

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

Flood

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	Hurricane Irma, Sep 2017 · 29 claims Hurricane Wilma, Oct 2005 · 96 claims Hurricane Georges, Sep 1998 · 12 claims

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.

Wildfire

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.

Internet Providers

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