Monroe County property record for 866 Ellen Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,350 sqft · built 1997 |
| Lot Size | 0.275 acres (12,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $16,000 (May 2004) |
| Tax Bill | $2,816 (2024) |
| Deeds & Mortgages | Jun 2017 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00550000-000000 |
| Primary APN | 00550000-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,350 sqft Living Area |
| 1st Floor Area | 1,350 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 12,000 sqft (0.275 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 658 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1673480 |
|---|---|
| Old Parcel Number | 14613900550000000000 |
| Street Address | 866 ELLEN DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2768 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 15 LTS 2 & 3 TWIN LAKES PB3-160 KEY LARGO OR121-223/24 OR236-327/328 OR383-1069/70Q OR829-1269 OR1205-1515 OR1332-1110 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 14 |
| Legal Subdivision | TWIN LAKES |
| Legal Block | 15 |
| Legal Lot Number | 2-3 3 |
| 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 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 | 866 ELLEN DR, KEY LARGO, FL 33037-2768 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 13, 2004 · Amount on Record |
| Deed Sale | May 13, 2004 · Amount on Record |
| Prior Sale | Dec 5, 1994 · Amount on Record |
| Deed Document Number | 1443875 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 866 ELLEN DR, KEY LARGO, FL 33037-2768 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0028601439 |
|---|---|
| Date | Jun 21, 2017 |
| Book Page | 2860/1439 |
| Instrument | 2128028 |
| Name | FAST COAST MORTGAGE LENDERS INC |
|---|---|
| Address | PALM CITY, FL 34990 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2047 |
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 | $300,998 (+5.99%) | $736,232 (-0.22%) Land $470,640 Building $265,592 | |
| 2024 | $2,816.00 (+5.19%) | ||
| 2023 | $2,677.00 (+5.19%) Homeowner's exemption | $283,997 (+3%) | $737,823 (+31.51%) Land $531,060 Building $206,763 |
| 2022 | $2,545.00 Homeowner's exemption | $275,726 | $561,049 Land $351,390 Building $209,659 |
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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