Monroe County property record for 10 Exuma Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 6.5 ba · 7,725 sqft · built 2015 |
| Lot Size | 0.38 acres (16,570 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $13,000,000 (Feb 2025) |
| Tax Bill | $34,567 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage Mar 2020 Loan Modification + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00570020-000000 |
| Primary APN | 00570020-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 6.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 7,725 sqft Living Area |
| Gross Area | 8,589 sqft |
| 1st Floor Area | 5,506 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Custom |
| Foundation Type | Pile |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 16,570 sqft (0.38 acres) |
| Garage Type | Attached |
| Garage Area | 864 sqft |
| Pool Area | 312 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 2,388 sqft |
| Deck Area | 120 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1703303 |
|---|---|
| Street Address | 10 EXUMA RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 8 LT 7 OCEAN REEF PLAT 1 AMD PB5-72 KEY LARGO OR641-58 OR866-1245/59 OR1344-2273/75L/T OR1392-819/22 OR1421-943/44 OR1699-1648/AFF OR1699-1649D/C OR2611-2466D/C OR2611-764/72WILL OR2645-240/41 OR2645-242/44 OR2873-1745/47 OR3223-1785 |
| Legal Range | 41E |
| Legal Township | 59S |
| Legal Section | 07 |
| Legal Subdivision | OCEAN REEF NO 1 AMD |
| Legal Block | 8 |
| Legal Lot Number | 7 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3084 |
| Census Tract | 972700 |
Source: Monroe County records, as of October 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10 EXUMA RD, KEY LARGO, FL 33037-5216 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 8, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK |
| Mar 30, 2020 | Loan Modification, Mortgage · Line of Credit JP MORGAN CHASE BK |
| Oct 4, 2017 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 10, 2025 · Amount on Record |
| Deed Sale | Feb 10, 2025 · Amount on Record |
| Prior Sale | Oct 4, 2017 · Amount on Record |
| Deed Document Number | 20252489188 |
| Deed Book / Page | 3311 / 521 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Oct 8, 2026 |
| Property Address | 10 EXUMA RD, KEY LARGO, FL 33037-5216 |
| Document Number | 0002563271 |
| Book / Page | 3406 / 164 |
| Instrument Date | Oct 3, 2026 |
| Instrument | 20262563271 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 10 S EXUMA RD, KEY LARGO, FL 33037-5006 |
| Document Number | 0002563271, |
|---|---|
| Date | Oct 8, 2026 |
| Book Page | 3406/164 |
| Instrument | 20262563271 |
| Name | FIFTH THIRD BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 10 EXUMA RD, KEY LARGO, FL 33037-5216 |
| Document Number | 0030170984 |
| Instrument Date | Mar 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 10 EXUMA RD KEY LARGO FL 330375216, KEY LARGO, FL 33037-5216 |
| Document Number | 0030170984 |
|---|---|
| Date | Apr 8, 2020 |
| Book Page | 003017/000984 |
| Instrument | 2262662 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | 601 OAKMONT LN # 300, WESTMONT, IL 60559-5532 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 7, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Oct 4, 2017 |
| Property Address | 10 EXUMA RD, KEY LARGO, FL 33037-5216 |
| Document Number | 0028731745 |
| Book / Page | 2873 / 1745 |
| Map Reference | MB5 PG72 |
| Instrument Date | Sep 29, 2017 |
| Instrument | 2138841 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $28,000.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6755 ALBERLY LN, 6755, CINCINNATI, OH 45243-2849 |
| Name | Verified Name |
|---|---|
| Address | 44 MOHAWK RD, SHORT HILLS, NJ 07078-3002 |
| Document Number | 0002138843 |
|---|---|
| Date | Oct 4, 2017 |
| Instrument | 2138843 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2047 |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $34,567.00 (+3.69%) | $5,086,734 (+5.99%) | $8,436,310 (+32.24%) Land $3,556,751 Building $4,879,559 |
| 2024 | $33,336.00 (+2.03%) | ||
| 2023 | $32,673.00 (+4.76%) Homeowner's exemption | $4,799,396 (+3%) | $6,379,609 (+6.44%) Land $2,885,666 Building $3,493,943 |
| 2022 | $31,188.00 Homeowner's exemption | $4,659,608 | $5,993,765 Land $2,483,015 Building $3,510,750 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 838 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 1,585 units insured incl. 747 condo units |
| Nearby Flood Claims | 78 (2005–2023) |
| Claims Outside the SFHA | 1 of 78 |
| Most Recent Claim | Nov 2023 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 100 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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