Monroe County property record for 899 Lobster Ln, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,965 sqft · built 2001 |
| Lot Size | 0.247 acres (10,760 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $1,390,000 (Dec 2008) |
| Tax Bill | $16,852 (2024) |
| Flood Zone | Zone VE (high risk) |
| APN | 00485100-000000 |
| Primary APN | 00485100-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 3 Stories |
| Building Area | 1,965 sqft Living Area |
| 1st Floor Area | 1,965 sqft |
| Flooring | Marble |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Other |
| Foundation Type | Pile |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 10,760 sqft (0.247 acres) |
| Garage Area | 405 sqft |
| Pool Area | 450 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 935 sqft |
| Patio Area | 4,124 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1594709 |
|---|---|
| Old Parcel Number | 13623800485100000000 |
| Street Address | 899 LOBSTER LN |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3800 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT D RESUBDIVISION OF TRACT B OF REVISED PLAT OF SUNRISE POINT KEY LARGO PB3-121 OR356-412 OR935-1560 OR1521-2153 |
| Legal Range | 38E |
| Legal Township | 62S |
| Legal Section | 13 |
| Legal Subdivision | SUNRISE POINT REV RESUBD TRACT B |
| Legal Tract | B,D |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 970600 |
The current owner of 899 Lobster Ln bought it in December 2008.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 9150 96TH AVE, ZEELAND, MI 49464-9748 |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 8, 2008 · Amount on File |
| Deed Sale | Dec 8, 2008 · Amount on File |
| Prior Sale | Jun 17, 1998 · Amount on File |
| Deed Document Number | 1722044 |
| Deed Book / Page | 2391 / 0321 |
| Record Updated | Jun 8, 2026 |
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 | $2,778,781 Land $2,006,442 Building $772,339 | $2,778,781 Land $2,006,442 Building $772,339 | |
| 2024 | $16,852.00 (+5.77%) | ||
| 2023 | $15,932.00 (+24.38%) | $2,452,456 (+39.04%) Land $1,707,443 Building $745,013 | $2,452,456 (+39.04%) Land $1,707,443 Building $745,013 |
| 2022 | $12,809.00 | $1,763,895 Land $1,007,155 Building $756,740 | $1,763,895 Land $1,007,155 Building $756,740 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 899 Lobster Ln in Zone VE, a high-risk coastal 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 VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 15.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 272 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 272 in force |
| Nearby Flood Claims | 100 (1981–2024) |
| Claims Outside the SFHA | 9 of 100 |
| Most Recent Claim | May 2024 · rainfall accumulation |
| 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.
The area around 899 Lobster Ln has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 133 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, T-Mobile.
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