97 S Harbor Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 97 S Harbor Dr, Key Largo, FL 33037

Property Summary

Property Type	Professional Building (Legal, Insurance, Real Estate, Business)
Details	2,802 sqft · built 2006
Lot Size	0.466 acres (20,320 sqft)
Owner	Company Name on Record
Last Sale	$200,000 (Jul 2024)
Flood Zone	Zone AE (high risk)
APN	`00573630-002602`

Property Details

APN / Parcel Number

Primary APN	`00573630-002602`
Alternative APN	`9085080`

Interior

Stories	2 Stories
Building Area	2,802 sqft Total Area
1st Floor Area	2,802 sqft

Exterior

Year Built	Built 2006
Exterior Material	Concrete Block
Fire Resistance	Fireproof Reinforced Concrete
Lot Area	20,320 sqft (0.466 acres)
Porch	Open Porch
Porch Area	1,727 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	9085080
Street Address	97 S HARBOR DR
City	KEY LARGO
State	FL
Zip	33037-5124
Property Category	Commercial
Property Type	Commercial > Office > Professional Building (Legal, Insurance, Real Estate, Business)
Legal Description	PT OF TRACT C OF HARBOR COURSE SOUTH TWO OCEAN REEF PLAT 13 PB-7-5 OR856-1810 OR881-1943 OR881-2002(SUB-LEASE)
Legal Range	40E
Legal Township	59S
Legal Section	13
Legal Subdivision	HARBOR COURSE SEC 2 O.R. #13 REPLAT
Legal Tract	C
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3042
Census Tract	972700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	35 OCEAN REEF DR STE 200, 200, KEY LARGO, FL 33037-5259
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2024 · Amount on Record
Deed Sale	Jul 22, 2024 · Amount on Record
Deed Document Number	2469083
Deed Book / Page	3285 / 1435
Record Updated	Jun 8, 2026

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		$972,783 (+1.99%) Land $537,667 Building $435,116	$972,783 (+1.99%) Land $537,667 Building $435,116
2023	Homeowner's exemption	$953,807 Land $537,667 Building $416,140	$953,807 Land $537,667 Building $416,140

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

Flood

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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 838 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	1,585 units insured incl. 747 condo units
Nearby Flood Claims	78 (2005–2023)
Claims Outside the SFHA	1 of 78
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 73 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

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

Wildfire Risk	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20