988 Oleander Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 988 Oleander Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 999 sqft · built 1963
Lot Size	0.112 acres (4,906 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Jul 2017)
Tax Bill	$3,359 (2024)
Deeds & Mortgages	Jul 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00546010-000000`

Property Details

APN / Parcel Number

Primary APN	`00546010-000000`
Alternative APN	`1669512`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	999 sqft Living Area
1st Floor Area	999 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1995
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	4,906 sqft (0.112 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	311 sqft
Deck Area	100 sqft
Patio Area	100 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1669512
Street Address	988 OLEANDER RD
City	KEY LARGO
State	FL
Zip	33037-4624
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 3 LT 18 WINSTON PARK SUB PB4-104 KEY LARGO OR525-992 OR667-371 OR787-1941 OR815-1491 OR897-906 OR953-2085 OR1047-750
Legal Range	39E
Legal Township	61S
Legal Section	22
Legal Subdivision	WINSTON PARK
Legal Block	3
Legal Lot Number	18
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 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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	10337 SW 156TH AVE, MIAMI, FL 33196-2679
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2017 · Amount on Record
Deed Sale	Jul 3, 2017 · Amount on Record
Deed Document Number	2129697
Deed Book / Page	2862 / 1625
Record Updated	Jun 8, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 3, 2017
Property Address	988 OLEANDER RD, KEY LARGO, FL 33037-4624
Document Number	0028621625
Book / Page	2862 / 1625
Map Reference	MB4 PG104
Instrument Date	Jun 27, 2017
Instrument	2129697
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	HOMEPARTNERS TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1520, KEY LARGO, FL 33037

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10337 SW 156TH AVE, MIAMI, FL 33196-2679

Mortgage

Document Number	0002129698
Date	Jul 3, 2017
Instrument	2129698

Lender

Name	CAPITAL PARTNERS MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

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		$423,024 (+7.67%) Land $264,701 Building $158,323	$423,024 (+7.67%) Land $264,701 Building $158,323
2024	$3,359.00 (+11.48%)
2023	$3,013.00 (+13.96%)	$392,905 (+16.55%) Land $249,430 Building $143,475	$392,905 (+16.55%) Land $249,430 Building $143,475
2022	$2,644.00	$337,105 Land $193,435 Building $143,670	$337,105 Land $193,435 Building $143,670

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 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 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 Fixed Wireless	100 / 20