886 Ellen Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 886 Ellen Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,770 sqft · built 1964
Lot Size	0.223 acres (9,750 sqft)
Owner	2 Owner Names on File
Last Sale	$650,000 (Apr 2004)
Tax Bill	$8,006 (2024)
Deeds & Mortgages	Sep 2018 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`00548370-000000`

Property Details

APN / Parcel Number

Primary APN	`00548370-000000`
Alternative APNs	`14613900548370000000` `1671851`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,770 sqft Living Area
1st Floor Area	1,770 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2000
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Shingle
Lot Area	9,750 sqft (0.223 acres)
Lot Dimensions	130 ft deep x 75 ft wide
Garage Area	380 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	903 sqft
Deck Area	60 sqft
Patio Area	240 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1671851
Old Parcel Number	14613900548370000000
Street Address	886 ELLEN DR
City	KEY LARGO
State	FL
Zip	33037-2770
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 3 LT 5 TWIN LAKES PB3-160 KEY LARGO OR235-361/62 OR760-1403/04 OR1013-1 OR1238-790 OR1428-2182 OR1992-768
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	TWIN LAKES
Legal Block	3
Legal Lot Number	5
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

The current owner of 886 Ellen Dr bought it in April 2004.

Source: Monroe County records, as of December 5, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Owner Names on File
Mailing Address	14922 SW 139TH PL, MIAMI, FL 33186-5736

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2004 · Amount on File
Deed Sale	Apr 13, 2004 · Amount on File
Prior Sale	Nov 4, 1996 · Amount on File
Deed Document Number	1436659
Deed Book / Page	1992 / 0768
Record Updated	Jun 8, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	886 ELLEN DR, KEY LARGO, FL 33037-2770
Document Number	0029261850
Instrument Date	Sep 5, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14922 SW 139TH PL MIAMI FL 331865736, MIAMI, FL 33186-5736

Mortgage

Document Number	0029261850
Date	Sep 12, 2018
Book Page	002926/001850
Instrument	2186382

Lender

Name	ROBERT & GRACE SAKOWITZ
Address	12841 S CALUSA CLUB DR, MIAMI, FL 33186-2368

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

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		$1,237,542 Land $922,740 Building $314,802	$1,237,542 Land $922,740 Building $314,802
2024	$8,006.00 (+7.62%)
2023	$7,439.00 (+23.63%)	$1,105,510 (+41.01%) Land $807,398 Building $298,112	$1,105,510 (+41.01%) Land $807,398 Building $298,112
2022	$6,017.00	$783,984 Land $487,988 Building $295,996	$783,984 Land $487,988 Building $295,996

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

Flood

FEMA maps place 886 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	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

Wildfire risk around 886 Ellen Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% 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