Monroe County property record for 10 S Exuma Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,713 sqft · built 2003 |
| Lot Size | 0.193 acres (8,400 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $2,100,000 (Feb 2026) |
| Tax Bill | $12,458 (2024) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Feb 2019 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00539910-000000 |
| Primary APN | 00539910-000000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,713 sqft Living Area |
| Gross Area | 4,097 sqft |
| 1st Floor Area | 2,699 sqft |
| Flooring | Marble |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,400 sqft (0.193 acres) |
| Lot Dimensions | 120 ft deep x 70 ft wide |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 384 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 2,286 sqft |
| Deck Area | 720 sqft |
| Patio Area | 3,145 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1663395 |
|---|---|
| Street Address | 10 S EXUMA RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 7 LT 25 OCEAN ISLE EST PB5-14 KEY LARGO OR427-332 OR1600-444/445P/R OR1625-2415/16 OR1772-2013R/S OR2090-1245/1246 OR2826-318/19 OR2950-1875 |
| Legal Range | 40E |
| Legal Township | 61S |
| Legal Section | 06 |
| Legal Subdivision | OCEAN ISLE ESTATE |
| Legal Block | 7 |
| Legal Lot Number | 25 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 972700 |
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.
Source: Monroe County records, as of April 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 16052 NW 89TH CT, HIALEAH, FL 33018-1406 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 27, 2026 | Warranty Deed, Transfer · Commercial Mortgage HOMETOWN EQUITY MORTGAGE |
| Feb 25, 2019 | Warranty Deed, Transfer PRIMELENDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 2026 · Amount on Record |
| Deed Sale | Feb 27, 2026 · Amount on Record |
| Prior Sale | Feb 25, 2019 · Amount on Record |
| Deed Document Number | 20262533969 |
| Deed Book / Page | 3368 / 1426 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Feb 27, 2026 |
| Property Address | 10 S EXUMA RD, KEY LARGO, FL 33037-5006 |
| Document Number | 0033681426 |
| Book / Page | 3368 / 1426 |
| Map Reference | MB 5 PG 14 |
| Instrument Date | Feb 23, 2026 |
| Instrument | 2533969 |
| Transaction Type | Transfer |
| Record Updated | Mar 18, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $14,700.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3940 NE SUGARHILL AVE, JENSEN BEACH, FL 34957-3729 |
| Name | Verified Name |
|---|---|
| Address | 16052 NW 89TH CT, MIAMI LAKES, FL 33018-1406 |
| Investor | Possibly a Property Investor |
| Document Number | 0033681428 |
|---|---|
| Date | Feb 27, 2026 |
| Instrument | 3368/1428 |
| Name | HOMETOWN EQUITY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Feb 25, 2019 |
| Property Address | 10 S EXUMA RD, KEY LARGO, FL 33037-5006 |
| Document Number | 0029501875 |
| Book / Page | 002950 / 001875 |
| Instrument Date | Feb 22, 2019 |
| Instrument | 2208271 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2019 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,820.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1692 NE SEAHORSE PL JENSEN BEACH FL 349576349, JENSEN BEACH, FL 34957-6349 |
| Document Number | 29501876 |
|---|---|
| Date | Feb 25, 2019 |
| Book Page | 002950/001876 |
| Instrument | 2208272 |
| Name | PRIMELENDING |
|---|---|
| Address | DALLAS, TX 75252 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 24, 2049 |
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 | $1,726,328 (+16.29%) Land $998,844 Building $727,484 | $1,726,328 (+16.29%) Land $998,844 Building $727,484 | |
| 2024 | $12,458.00 (+10.48%) | ||
| 2023 | $11,276.00 (+14.29%) | $1,484,513 (+14.05%) Land $768,936 Building $715,577 | $1,484,513 (+14.05%) Land $768,936 Building $715,577 |
| 2022 | $9,866.00 | $1,301,620 Land $579,600 Building $722,020 | $1,301,620 Land $579,600 Building $722,020 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 225 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 225 in force |
| Nearby Flood Claims | 29 (2017–2023) |
| 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 | Moderate above 50% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 188 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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