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984 Oleander Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 984 Oleander Rd, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,088 sqft · built 1962
Lot Size0.116 acres (5,055 sqft)
Owner2 Individual Names on File
Last Sale$300,000 (Jun 2017)
Tax Bill$2,486 (2024)
Deeds & MortgagesJun 2017 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00545990-000000

Property Details

APN / Parcel Number

Primary APN00545990-000000
Alternative APNs
  • 22613900545990000000
  • 1669491

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,088 sqft Living Area
1st Floor Area1,088 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1962
Effective Year BuiltEffective 2005
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area5,055 sqft (0.116 acres)

Exterior Amenities

PorchOpen Porch
Porch Area25 sqft
Patio Area360 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air

Location & Zoning

Account Number1669491
Old Parcel Number22613900545990000000
Street Address984 OLEANDER RD
CityKEY LARGO
StateFL
Zip33037-4624
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 3 LT 16 WINSTON PARK SUB KEY LARGO PB4-104 OR191-421 OR496-221Q OR526-806 OR785-746 OR988-1008R/S OR1024-374 OR1024-375
Legal Range39E
Legal Township61S
Legal Section22
Legal SubdivisionWINSTON PARK
Legal Block3
Legal Lot Number16
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2007
Census Tract970400

Owner

Source: Monroe County records · APN 00545990-000000

Assessment roll updated July 1, 2025 · Last verified December 2025

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 Address984 OLEANDER RD, KEY LARGO, FL 33037-4624
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 19, 2017 · Amount on Record
Deed SaleJun 19, 2017 · Amount on Record
Prior SaleMay 17, 2012 · Amount on Record
Deed Document Number2127846
Deed Book / Page2860 / 0852
Record UpdatedJun 08, 2026

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJun 19, 2017
Property Address984 OLEANDER RD, KEY LARGO, FL 33037-4624
Document Number0028600852
Book / Page002860 / 000852
Instrument DateJun 16, 2017
Instrument2127846
Transaction TypeTransfer
Record UpdatedJun 28, 2017
Title CompanyCOASTAL TITLE, CENTRAL TITLE AND CLOSING

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address984 OLEANDER RD KEY LARGO FL 330374624, KEY LARGO, FL 33037-4624

Mortgage

Document Number28600854
DateJun 19, 2017
Book Page002860/000854
Instrument2127847
Lender
NameRAMON A ANCHIA
Address2030 S OCEAN DR # 203, HALLANDALE BEACH, FL 33009-6601
Special NotesSeller Financed
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term84 Months
DueJun 18, 2024
Interest
Rate TypeFixed Rate
Rate6%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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$259,419 (+5.99%)$439,090 (+6.56%) Land $265,541 Building $173,549
2024$2,486.00 (+5.56%)
2023$2,355.00 (+5.04%) Homeowner's exemption$244,766 (+3%)$412,073 (+20.89%) Land $250,221 Building $161,852
2022$2,242.00 Homeowner's exemption$237,637$340,871 Land $194,049 Building $146,822

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 245 policies
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 Event
  • Hurricane Irma, Sep 2017 · 91 claims
  • Hurricane Irene, Oct 1999 · 31 claims
  • Hurricane Georges, Sep 1998 · 11 claims

Wildfire

Wildfire RiskLow
lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood0.04% annual chance
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 as of August 1, 2026 · 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 as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 344 locations within half a mile of this property.

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