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980 Oleander Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 980 Oleander Rd, Key Largo, FL 33037 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,008 sqft · built 1963
Lot Size0.116 acres (5,067 sqft)
Owner2 Individual Names on File
Last Sale$200,000 (Apr 2012)
Tax Bill$4,059 (2025)
Deeds & MortgagesAug 2022 Mortgage
Oct 2019 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00545970-000000

Property Details

APN / Parcel Number

Primary APN00545970-000000
Alternative APN
  • 1669474

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,008 sqft Living Area
1st Floor Area1,008 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 2005
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area5,067 sqft (0.116 acres)
PorchOpen Porch
Porch Area204 sqft
Patio Area148 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1669474
Street Address980 OLEANDER RD
CityKEY LARGO
StateFL
Zip33037-4624
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 3 LT 14 WINSTON PARK SUB PB4-104 KEY LARGO OR189-361 OR389-569 OR465-839-841 OR794-1986 OR822-971 OR1005-2003 OR1242-1443 OR1639-304/05ORD OR1639-1743 OR1639-1744 OR2564-501/02 OR2991-1533
Legal Range39E
Legal Township61S
Legal Section22
Legal SubdivisionWINSTON PARK
Legal Block3
Legal Lot Number14
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2007
Census Tract970400

Owner

Source: Monroe County records · APN 00545970-000000

Assessment roll updated December 8, 2025 · Last verified August 2026

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

Owner of Record2 Individual Names on File
Mailing AddressPO BOX 370272, KEY LARGO, FL 33037-0272
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 05, 2022Deed of Trust, Mortgage · Conventional Mortgage
CITADEL SERVICING CORPORATION
Oct 28, 2019Warranty Deed, Transfer · Conventional with PMI
KRAMER CHARLES R TRUST (RT)

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 10, 2012 · Amount on Record
Deed SaleApr 10, 2012 · Amount on Record
Prior SaleJun 22, 2000
Deed Document Number20121877892
Deed Book / Page2564 / 501
Record UpdatedSep 20, 2026

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address980 OLEANDER RD, KEY LARGO, FL 33037-4624
Transaction TypeMortgage
Record UpdatedAug 31, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address210 BURGUNDY DR, TAVERNIER, FL 33070-2714

Mortgage

Document Number0031872092
DateAug 05, 2022
Book Page3187/2092
Instrument2386587
Lender
NameCITADEL SERVICING CORPORATION
TypeNon-Lending Institution
AddressLAKE FOREST, CA 92630
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2052

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateOct 28, 2019
Property Address980 OLEANDER RD, KEY LARGO, FL 33037-4624
Document Number0029911533
Book / Page002991 / 001533
Instrument DateOct 10, 2019
Instrument2242242
Transaction TypeTransfer
Record UpdatedNov 22, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,100.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address210 BURGUNDY DR TAVERNIER FL 330702714, TAVERNIER, FL 33070-2714

Mortgage

Document Number29911535
DateOct 28, 2019
Book Page002991/001535
Instrument2242243
Lender
NameKRAMER CHARLES R TRUST (RT)
AddressPO BOX 352, GREENSBORO, FL 32330-0352
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term60 Months
DueOct 27, 2024

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,059.00 (+5.57%)$441,387 (+6.71%) Land $266,119 Building $175,268$441,387 (+6.71%) Land $266,119 Building $175,268
2024$3,845.00 (+9.86%)
2023$3,500.00 (+12.07%)$413,639 (+14.85%) Land $250,766 Building $162,873$413,639 (+14.85%) Land $250,766 Building $162,873
2022$3,123.00$360,163 Land $194,471 Building $165,692$360,163 Land $194,471 Building $165,692

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879704002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 245 individual NFIP policies nearby
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies245 in force
Nearby Flood Claims161 (1992–2023)
Claims Outside the SFHA6 of 161
Most Recent ClaimNov 2023, rainfall accumulation
Claims By Storm
  • Hurricane Irma, Sep 2017 · 91 claims
  • Hurricane Irene, Oct 1999 · 31 claims
  • Hurricane Georges, Sep 1998 · 11 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Listed AreaWithin 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 344 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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