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Claim or joinLegal name: SANCTUARY AT OCEAN REEF, A CONDO, THE
Condo / COA · 18 units · Key Largo, FL
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Public record · State filing
Statute-cited calculators and generators for Sanctuary at Ocean Reef, a Condominium, The. No account needed.
Or start with what happened
See also the Florida Condominium Act (Fla. Stat. Ch. 718).
A starting point for diligence, not a safety or compliance rating. Full flood, structural, and hazard detail is below.
Public record · Federal hazard-risk index, federal flood-hazard maps, state structural-integrity filings
Public record · Federal flood-hazard maps
Very High composite risk for this neighborhood area · 100th percentile of FL neighborhood areas
47 federal disaster declarations for this county, including 26 hurricanes, most recent Oct 2024.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Communities in this county participate in the federal flood insurance program
5,960 flood policies in force in this ZIP (2,191 condo) · as of 2026-06-01
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Mar 11, 1999 · ERP/IND
Sanctuary At Ocean Reef
Capital-project and contractor activity on file.
Public record · Environmental resource permits
Approximate footprint of the primary building at this location (single-point match), not the full complex. A rough starting point for roofing and reserve estimates; add a slope factor for pitched roofs.
Mapped building outlines · Overture Maps
Annual change in ZIP 33037
2020 +2.9% · 2021 +16.5% · 2022 +25.8% · 2023 +4.9% · 2024 +8.6% · 2025 +1.1%
Area price appreciation for context, not an appraisal of this association or any unit. Its publisher labels the index developmental: it is built from conforming-mortgage data, and small housing markets are suppressed.
Public record · Federal house-price index · as of Mar 2026
Monthly HOA and condo fees reported by owners in this part of the state, from federal household survey estimates.
No officer filings on record for Sanctuary at Ocean Reef, a Condominium, The yet.
From public officer filings
Claim it to manage Sanctuary at Ocean Reef, a Condominium, The on Common Elements. Claim this association
14% of nearby housing sits in 5+ unit buildings, most of it built in the 1970s.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Common Elements directory
Peer context, not financial advice: area-level survey medians describe the market, not what any specific community should charge.
No Structural Integrity Reserve Study on file yet.
Model SB 4-D reserve contributions for this association’s unit count and building profile before the formal study numbers come in.
Public record · State structural-integrity filings, county parcel records
Counts describe the area around the association's geocoded location, for context. Not a site-specific environmental assessment.
Public record · Federal environmental-facility records · as of Jul 2026
Most recent significant event in Monroe County: Flood, Dec 29, 2024.
County-level weather records from the federal storm-event database, for context. Each event is logged for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe Monroe County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 33037 · 2022
Average premium changed +19.1% across the filed window (2018 to 2022).
ZIP-area averages from federal filings, not a quote for this building. Your rate depends on the building's construction, claims history, and coverage.
Public record · Federal homeowners-insurance filings · as of 2018 to 2022
2G Construction Management LLC
Tavernier, FL
3rd Generation Plumbing, INC
Marathon, FL
A Affordable Emergency Svcs INC
Key Largo, FL
A All Major Brands Corp
Key Largo, FL
A Perry Homes Florida LLC
Key Largo, FL
A Plus Roofing of Key West INC
Key West, FL
Verified vendor companies serving Monroe County, FL. Listing only, not an endorsement.
Common Elements verified vendor directory
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State condominium filing
On file as SANCTUARY AT OCEAN REEF, A CONDO, THE
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as Sanctuary at Ocean Reef, a Condominium, The
Source not recorded
Type · Units
Geocoded from the address on file
Map location
Geocoded 2026-05-19
Public record
1 linked public record
Names are shown in title case for readability. The string above is the name on file, unchanged.
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