Monroe County property record for 903 S Emerald Dr, Key Largo, FL 33037
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 2 ba · 1,316 sqft · built 1980 |
| Lot Size | 0.103 acres (4,500 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $577 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 00486852-003600 |
| Primary APN | 00486852-003600 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,316 sqft Living Area |
| 1st Floor Area | 1,316 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Plywood |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Mobile Home |
| Exterior Material | Metal |
| Construction Type | Metal Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 4,500 sqft (0.103 acres) |
| Lot Dimensions | 90 ft deep x 50 ft wide |
| Garage Type | Covered |
| Garage Area | 600 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 260 sqft |
| Deck Area | 264 sqft |
| Patio Area | 28 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1597988 |
|---|---|
| Street Address | 903 S EMERALD DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3814 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | URM |
| Legal Description | LT 903 S EMERALD DR SILVER SHORES MOBILE HOME PARK PLAT OF SURVEY OF LIME GROVE ESTS PB5-52 PT TR 1 AND PT GOVT LT 3 SEC 12 TWP 62 RGE 38 OR817-584/85 OR907-1405/06 OR1451-2004 OR1491-918/20MT OR1618-1761/62 OR2544-2237D/C OR2544-2238D/C OR2544-2242/ |
| Legal Range | 38E |
| Legal Township | 62S |
| Legal Section | 12 |
| Legal Subdivision | SILVER SHORES MOBILE HOMES |
| Legal Tract | 1 |
| Legal Block | SED |
| Legal Lot Number | 903 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 970600 |
903 S Emerald Dr, a mobile home, is owned and occupied by two individuals who acquired it in January 2020.
Source: Monroe County records, as of August 13, 2026
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 Individual Names on File |
|---|---|
| Mailing Address | 903 S EMERALD DR, KEY LARGO, FL 33037-3814 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 14, 2020 |
| Deed Sale | Jan 14, 2020 |
| Prior Sale | Apr 30, 2014 |
| Deed Document Number | 20202251814 |
| Deed Book / Page | 3003 / 1571 |
| Transfer Doc | 1451002004 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 903 S EMERALD DR, KEY LARGO, FL 33037-3814 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030031573 |
|---|---|
| Date | Jan 14, 2020 |
| Book Page | 3003/1573 |
| Instrument | 2251815 |
| Name | CENTERSTATE BANK NA |
|---|---|
| Type | Bank |
| Address | KEY LARGO, FL 33037 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 15, 2040 |
The 2025 property tax bill for 903 S Emerald Dr was $577 with a veteran's exemption, up 5.3% from the year before.
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 | $577.00 (+5.29%) Veteran's exemption | $194,796 | $286,814 Land $235,125 Building $51,689 |
| 2024 | $548.00 (+19.91%) | ||
| 2023 | $457.00 (+2.47%) Homeowner's exemption | $183,794 (+3%) | $249,390 (+24.71%) Land $200,925 Building $48,465 |
| 2022 | $446.00 Homeowner's exemption | $178,441 | $199,973 Land $149,625 Building $50,348 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 903 S Emerald Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 425 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 957 units insured incl. 532 condo units |
| Nearby Flood Claims | 227 (1982–2022) |
| Claims Outside the SFHA | 13 of 227 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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 903 S Emerald Dr is low, with 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 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 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 35 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: Hotwire Communications.
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