869 Ellen Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 869 Ellen Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,582 sqft · built 1958
Lot Size	0.269 acres (11,700 sqft)
Owner	Individual Name on Record
Last Sale	$206,500 (Aug 2015)
Tax Bill	$7,507 (2024)
Deeds & Mortgages	Jul 2022 Transfer
Flood Zone	Zone AE (high risk)
APN	`00550180-000000`

Property Details

APN / Parcel Number

Primary APN	`00550180-000000`
Alternative APNs	`14613900550180000000` `1673668`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,582 sqft Living Area
1st Floor Area	1,582 sqft
Attic	Attic
Attic Area	219 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1995
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Flat
Roof Material	Asphalt
Lot Area	11,700 sqft (0.269 acres)
Lot Dimensions	130 ft deep x 90 ft wide
View / Lot	Canal
Garage Type	Covered
Garage Area	519 sqft
Porch	Open Porch
Porch Area	372 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1673668
Street Address	869 ELLEN DR
City	KEY LARGO
State	FL
Zip	33037-2718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 16 LT 1 TWIN LAKES PB3-160 KEY LARGO OR263-59 OR889-1796 OR1109-1676 OR1109-1678 OR1109-1679 OR1224-1758 OR1314-273 OR1314-165 OR2755-1535 OR3186-535 OR3186-0536
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	TWIN LAKES
Legal Block	16
Legal Lot Number	1
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3000
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 March 6, 2026

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
Mailing Address	9820 SW 90TH AVE, MIAMI, FL 33176-2914
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2015 · Amount on Record
Deed Sale	Aug 11, 2015 · Amount on Record
Prior Sale	Jul 6, 1994 · Amount on Record
Deed Document Number	20152041314
Deed Book / Page	2755 / 1535
Prior Transfer Date	Aug 1, 1983
Prior Transfer Doc	0889001796
Record Updated	Oct 29, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Jul 27, 2022
Property Address	869 ELLEN DR, KEY LARGO, FL 33037-2718
Document Number	0031860536
Book / Page	3186 / 536
Map Reference	MB 3 PG 160
Instrument Date	Jul 27, 2022
Instrument	2385314
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9820 SW 90TH AVE, 9820, MIAMI, FL 33176-2914

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9820 SW 90TH AVE, MIAMI, FL 33176-2914

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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		$1,254,691 (+15.41%) Land $997,776 Building $256,915	$1,254,691 (+15.41%) Land $997,776 Building $256,915
2024	$7,507.00 (+6.27%)
2023	$7,064.00 (+25.47%)	$1,087,181 (+45.92%) Land $873,054 Building $214,127	$1,087,181 (+45.92%) Land $873,054 Building $214,127
2022	$5,630.00	$745,065 Land $527,670 Building $217,395	$745,065 Land $527,670 Building $217,395

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