Monroe County property record for 870 Ellen Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,488 sqft · built 1985 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $445,000 (May 2018) |
| Tax Bill | $2,712 (2024) |
| Deeds & Mortgages | Dec 2021 Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00549980-000000 |
| Primary APN | 00549980-000000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,488 sqft Living Area |
| 1st Floor Area | 1,488 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,500 sqft (0.172 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Garage Type | Covered |
| Garage Area | 1,200 sqft |
| Porch | Florida Room |
| Porch Area | 636 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1673463 |
|---|---|
| Street Address | 870 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 1 TWIN LAKES PB3-160 KEY LARGO OR458-884 OR875-1651 OR949-568 OR1333-1219/20 OR1349-1642R/S OR1632-2388 OR1635-1413 OR2144-1544 OR2329-1955/6C/T OR2370-1852/54 OR2391-313M/L OR2575-762/63 OR2904-927/928 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 14 |
| Legal Subdivision | TWIN LAKES |
| Legal Block | 15 |
| Legal Lot Number | 1 |
| 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.
870 Ellen Dr is owned and occupied by an individual who bought it in May 2018.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 870 ELLEN DR, KEY LARGO, FL 33037-2768 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Mar 19, 2020 | Deed of Trust, Mortgage · Conventional with PMI MR COOPER |
| May 1, 2018 | Warranty Deed, Transfer · Conventional with PMI MONEY SOURCE (NY) INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2018 · Amount on File |
| Deed Sale | May 1, 2018 · Amount on File |
| Prior Sale | Jul 9, 2008 · Amount on File |
| Deed Document Number | 20182167064 |
| Deed Book / Page | 2904 / 927 |
| Prior Transfer Date | Apr 11, 1995 |
| Prior Transfer Doc | 1349001642 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 870 ELLEN DR, KEY LARGO, FL 33037-2768 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 870 ELLEN DR, KEY LARGO, FL 33037-2768 |
| Document Number | 0031410207 |
|---|---|
| Date | Dec 3, 2021 |
| Book Page | 3141/207 |
| Instrument | 2351217 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 870 ELLEN DR, KEY LARGO, FL 33037-2768 |
| Document Number | 0030160001 |
| Instrument Date | Mar 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 870 ELLEN DR KEY LARGO FL 330372768, KEY LARGO, FL 33037-2768 |
| Document Number | 0030160001 |
|---|---|
| Date | Mar 30, 2020 |
| Book Page | 003016/000001 |
| Instrument | 2261762 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 29, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 1, 2018 |
| Property Address | 870 ELLEN DR, KEY LARGO, FL 33037-2768 |
| Document Number | 0029040927 |
| Book / Page | 002904 / 000927 |
| Instrument Date | Apr 24, 2018 |
| Instrument | 2167064 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2018 |
| Title Company | FLORIDA TITLE/KEYS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,115.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 870 ELLEN DR KEY LARGO FL 330372768, KEY LARGO, FL 33037-2768 |
| Document Number | 29040929 |
|---|---|
| Date | May 1, 2018 |
| Book Page | 002904/000929 |
| Instrument | 2167065 |
| Name | MONEY SOURCE (NY) INC |
|---|---|
| Address | MELVILLE, NY 11747 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 30, 2048 |
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 | $287,476 | $580,514 Land $317,475 Building $263,039 | |
| 2024 | $2,712.00 (+5.28%) | ||
| 2023 | $2,576.00 (+5.14%) Homeowner's exemption | $271,238 (+3%) | $630,677 (+25.24%) Land $382,500 Building $248,177 |
| 2022 | $2,450.00 Homeowner's exemption | $263,338 | $503,574 Land $252,450 Building $251,124 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 870 Ellen Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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.
Wildfire risk around 870 Ellen Dr is low, with a 0.02% annual chance of 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.
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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