Monroe County property record for 871 Ellen Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,144 sqft · built 1971 |
| Lot Size | 0.269 acres (11,700 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $1,500,000 (Nov 2023) |
| Tax Bill | $11,814 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 00548320-000000 |
| Primary APN | 00548320-000000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 3 Stories |
| Building Area | 2,144 sqft Living Area |
| Gross Area | 2,400 sqft |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Material | Concrete |
| Lot Area | 11,700 sqft (0.269 acres) |
| Lot Dimensions | 130 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 256 sqft |
| Porch | Florida Room |
| Porch Area | 610 sqft |
| Patio Area | 1,024 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 1671801 |
|---|---|
| Street Address | 871 ELLEN DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2769 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 2 LT 13 TWIN LAKES PB3-160 KEY LARGO OR474-45 OR775-1018 OR1582-1872 OR1993-739Q/C OR2165-840Q/C OR2416-2368 OR2416-2370AFF OR3249-2160 OR3279-0871 |
| Legal Subdivision | TWIN LAKES |
| Legal Lot Number | 13 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3000 |
| 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 July 24, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 8320 NW 177TH ST, HIALEAH, FL 33015-3645 |
| Owner Type | Company |
| Vesting | Trust, Family Revocable Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 6, 2023 · Amount on Record |
| Deed Sale | Nov 6, 2023 · Amount on Record |
| Deed Document Number | 20232439207 |
| Deed Book / Page | 3249 / 2160 |
| Last Transfer Date | Jun 5, 2024 |
| Transfer Doc | 0032790871 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 15, 2026 |
| Property Address | 871 ELLEN DR, KEY LARGO, FL 33037-2769 |
| Document Number | 0002551851 |
| Book / Page | 3392 / 560 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 20262551851 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust, 222 |
| Address | 8320 NW 177TH ST, HIALEAH, FL 33015-3645 |
| Document Number | 0002551851, |
|---|---|
| Date | Jul 15, 2026 |
| Book Page | 3392/560 |
| Instrument | 20262551851 |
| Name | OCEAN BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 18, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
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 | $11,814.00 (+10.32%) | $1,362,388 Land $997,776 Building $364,612 | $1,362,388 Land $997,776 Building $364,612 |
| 2024 | $10,709.00 |
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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