982 Oleander Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 982 Oleander Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,118 sqft · built 1963
Lot Size	0.116 acres (5,062 sqft)
Owner	Company Name on File
Last Sale	$350,000 (Jul 2020)
Tax Bill	$4,112 (2024)
Deeds & Mortgages	Jul 2020 Sale
Flood Zone	Zone AE (high risk)
APN	`00545980-000000`

Property Details

APN / Parcel Number

Primary APN	`00545980-000000`
Alternative APNs	`22613900545980000000` `1669482`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,118 sqft Living Area
1st Floor Area	1,118 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2013
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,062 sqft (0.116 acres)
Garage Type	Carport
Garage Area	180 sqft
Carport	Carport
Carport Area	180 sqft
Porch	Open Porch
Porch Area	204 sqft
Patio Area	66 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1669482
Street Address	982 OLEANDER RD
City	KEY LARGO
State	FL
Zip	33037-4624
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 3 LT 15 WINSTON PARK SUB PB4-104 KEY LARGO OR389-569 OR465-979-981 OR794-1986 OR822-971 OR968-1129 OR3031-0438
Legal Range	39E
Legal Township	61S
Legal Section	22
Legal Subdivision	WINSTON PARK
Legal Block	3
Legal Lot Number	15
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2007
Census Tract	970400

Historic Designation

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.

Owner

Source: Monroe County assessment roll, as of December 8, 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 File
Mailing Address	3812 CHURCHILL DOWNS DR, DAVIE, FL 33328-1365
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 10, 2020 · Amount on Record
Deed Sale	Jul 10, 2020 · Amount on Record
Prior Sale	Mar 1, 1986 · Amount on Record
Deed Document Number	20202272626
Deed Book / Page	3031 / 438
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 10, 2020
Property Address	982 OLEANDER RD, KEY LARGO, FL 33037-4624
Document Number	0030310438
Book / Page	003031 / 000438
Instrument Date	Jul 10, 2020
Instrument	2272626
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,450.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3812 CHURCHILL DOWNS DR DAVIE FL 333281365, DAVIE, FL 33328-1365

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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		$471,365 (+3.93%) Land $265,856 Building $205,509	$471,365 (+3.93%) Land $265,856 Building $205,509
2024	$4,112.00 (+9.77%)
2023	$3,746.00 (+11.79%)	$453,546 (+13.49%) Land $250,518 Building $203,028	$453,546 (+13.49%) Land $250,518 Building $203,028
2022	$3,351.00	$399,644 Land $194,280 Building $205,364	$399,644 Land $194,280 Building $205,364

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 245 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	245 in force
Nearby Flood Claims	161 (1992–2023)
Claims Outside the SFHA	6 of 161
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 91 claims Hurricane Irene, Oct 1999 · 31 claims Hurricane Georges, Sep 1998 · 11 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	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

Internet Providers

Source: FCC Broadband Data Collection, based on 344 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20