Monroe County property record for 90 Oleander Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 764 sqft · built 1955 |
| Lot Size | 0.074 acres (3,240 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $427,500 (Jan 2023) |
| Tax Bill | $3,074 (2025) |
| Deeds & Mortgages | Jan 2023 Sale & Mortgage May 2021 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 00530220-000000 |
| Primary APN | 00530220-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 764 sqft Living Area |
| 1st Floor Area | 764 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Flat |
| Roof Material | Composition Shingle |
| Lot Area | 3,240 sqft (0.074 acres) |
| Lot Dimensions | 65 ft deep x 50 ft wide |
| Porch | Slab |
| Porch Area | 72 sqft |
| Patio Area | 114 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1649431 |
|---|---|
| Street Address | 90 OLEANDER DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 1 LT 3 HOLIDAY HOMESITES PB2-168 KEY LARGO OR111-535 OR548-647 OR1439-327 OR1541-1593 OR1670-1927 OR2297-2448 OR3099-0439 OR3208-1553 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 28 |
| Legal Subdivision | HOLIDAY HOMESITES |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 970500 |
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 May 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 90 OLEANDER DR, KEY LARGO, FL 33037-4417 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 18, 2023 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| May 20, 2021 | Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 18, 2023 · Amount on Record |
| Deed Sale | Jan 18, 2023 · Amount on Record |
| Prior Sale | May 20, 2021 · Amount on Record |
| Deed Document Number | 20232403694 |
| Deed Book / Page | 3208 / 1553 |
| Prior Transfer Date | May 18, 2007 |
| Prior Transfer Doc | 0022972448 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jan 18, 2023 |
| Property Address | 90 OLEANDER DR, KEY LARGO, FL 33037-4417 |
| Document Number | 0032081553 |
| Book / Page | 3208 / 1553 |
| Map Reference | MB 2 PG 168 |
| Instrument Date | Jan 17, 2023 |
| Instrument | 2403694 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2023 |
| Title Company | NOT AVAILABLE, SHARP TITLE SLN OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,992.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5422 SE ELI RD, BELLEVIEW, FL 34420-3911 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 372921, KEY LARGO, FL 33037-7921 |
| Document Number | 0032081555 |
|---|---|
| Date | Jan 18, 2023 |
| Instrument | 3208/1555 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 20, 2021 |
| Property Address | 90 OLEANDER DR, KEY LARGO, FL 33037-4417 |
| Document Number | 0030990439 |
| Book / Page | 3099 / 439 |
| Map Reference | MB 2 PG 168 |
| Instrument Date | May 17, 2021 |
| Instrument | 2320860 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Title Company | CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,029.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6565 INDIAN RIVER BLVD, 6565, GRANT, FL 32949-2428 |
| Name | Verified Name |
|---|---|
| Address | 90 OLEANDER DR, KEY LARGO, FL 33037-4417 |
| Document Number | 3099441 |
|---|---|
| Date | May 20, 2021 |
| Instrument | 3099/441 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
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 | $3,074.00 (-3.52%) Homeowner's exemption | $315,404 (+12.12%) Land $169,970 Building $145,434 | $315,404 (-5.36%) Land $169,970 Building $145,434 |
| 2024 | $3,186.00 (+19.24%) | ||
| 2023 | $2,672.00 (+5.16%) Homeowner's exemption | $281,319 (+3%) | $333,268 (+22.02%) Land $205,740 Building $127,528 |
| 2022 | $2,541.00 Homeowner's exemption | $273,126 Land $151,219 Building $121,907 | $273,126 Land $151,219 Building $121,907 |
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 X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 595 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 839 units insured incl. 244 condo units |
| Nearby Flood Claims | 304 (1983–2025) |
| Claims Outside the SFHA | 8 of 304 |
| Most Recent Claim | Oct 2025 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% 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.
Source: FCC Broadband Data Collection, based on 317 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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