Monroe County property record for 103 Long Key Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,545 sqft · built 2006 |
| Lot Size | 0.149 acres (6,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,255,000 (Sep 2026) |
| Tax Bill | $9,626 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Jan 2024 Sale & Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00534050-000000 |
| Primary APN | 00534050-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,545 sqft Living Area |
| 1st Floor Area | 2,545 sqft |
| Flooring | Plywood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Mixed |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,500 sqft (0.149 acres) |
| Lot Dimensions | 100 ft deep x 65 ft wide |
| View / Lot | Canal |
| Garage Type | Covered |
| Garage Area | 426 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 766 sqft |
| Deck Area | 32 sqft |
| Patio Area | 300 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1657557 |
|---|---|
| Street Address | 103 LONG KEY RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3053 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URM |
| Legal Description | BK 2 LT 23 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR179-99 OR372-209 OR763-1638 OR810-942 OR894-1673 OR1385-1661 OR1385-1662 OR2010-2342 OR2010-2343 OR2703-2170 OR3259-2019 |
| Legal Range | 40E |
| Legal Township | 60S |
| Legal Section | 31 |
| Legal Subdivision | LAKE SURPRISE ESTATES |
| Legal Block | 2 |
| Legal Lot Number | 23 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2014 |
| 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.
103 Long Key Rd is owned by two individuals who bought it in September 2026.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20064 NW 86TH CT, HIALEAH, FL 33015-6956 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 18, 2026 | Warranty Deed, Transfer · Conventional Mortgage RELIABLE BUILDING LLC |
| Jan 24, 2024 | Warranty Deed, Transfer · Conventional Mortgage A&D MORTGAGE LLC |
| Oct 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
| Sep 11, 2020 | Deed of Trust, Mortgage · Line of Credit SPACE COAST CU |
| Jan 27, 2017 | Deed of Trust, Mortgage · Line of Credit SPACE COAST CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 18, 2026 · Amount on File |
| Deed Sale | Sep 18, 2026 · Amount on File |
| Prior Sale | Jan 24, 2024 · Amount on File |
| Deed Document Number | 20262561041 |
| Deed Book / Page | 3403 / 81 |
| Transfer Doc | 1385001661 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 18, 2026 |
| Property Address | 103 LONG KEY RD, KEY LARGO, FL 33037-3053 |
| Document Number | 0002561041 |
| Book / Page | 3403 / 81 |
| Instrument Date | Sep 18, 2026 |
| Instrument | 20262561041 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2026 |
| Title Company | ADVANCE PARTNERS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $887,285.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20064 NW 86TH CT, HIALEAH, FL 33015-6956 |
| Document Number | 0002561042, |
|---|---|
| Date | Sep 18, 2026 |
| Book Page | 3403/83 |
| Instrument | 20262561042 |
| Name | RELIABLE BUILDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jan 24, 2024 |
| Property Address | 103 LONG KEY RD, KEY LARGO, FL 33037-3053 |
| Document Number | 0032592019 |
| Book / Page | 3259 / 2019 |
| Map Reference | MB 4 PG 162 |
| Instrument Date | Jan 12, 2024 |
| Instrument | 2448870 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Title Company | EPIC TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Tax | $9,275.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 106 PLANTATION AVE, TAVERNIER, FL 33070-2233 |
| Name | Verified Name |
|---|---|
| Address | 21500 SW 184TH PL, MIAMI, FL 33187-4127 |
| Document Number | 0002448871 |
|---|---|
| Date | Jan 24, 2024 |
| Instrument | 2448871 |
| Name | A&D MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Number | 0032592021 |
|---|---|
| Date | Jan 24, 2024 |
| Book Page | 3259/2021 |
| Instrument | 2448871 |
| Name | A&D MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1040 S FEDERAL HWY, HOLLYWOOD, FL 33020 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 103 LONG KEY RD, KEY LARGO, FL 33037-3053 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 103 LONG KEY RD, KEY LARGO, FL 33037-3053 |
| Document Number | 0030472041 |
|---|---|
| Date | Oct 1, 2020 |
| Book Page | 3047/2041 |
| Instrument | 2284268 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | CORONA, CA 92879 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 103 LONG KEY RD, KEY LARGO, FL 33037-3053 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 103 LONG KEY RD, KEY LARGO, FL 33037-3053 |
| Document Number | 0030431401 |
|---|---|
| Date | Sep 11, 2020 |
| Book Page | 3043/1401 |
| Instrument | 2281286 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32940 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 126 Months |
| Due | Mar 25, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 103 LONG KEY RD, KEY LARGO, FL 33037-3053 |
| Document Number | 0028841672 |
| Book / Page | 002884 / 001672 |
| Instrument Date | Jan 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 103 LONG KEY RD KEY LARGO FL 330373053, KEY LARGO, FL 33037-3053 |
| Document Number | 0028841672 |
|---|---|
| Date | Dec 27, 2017 |
| Book Page | 002884/001672 |
| Instrument | 2148713 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32940 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 26, 2032 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 103 Long Key Rd was $9,626, up 140.8% from the year before.
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 | $9,626.00 (+140.77%) | $1,091,774 Land $634,481 Building $457,293 | $1,091,774 Land $634,481 Building $457,293 |
| 2024 | $3,998.00 (+4.3%) | ||
| 2023 | $3,833.00 (+5.74%) Homeowner's exemption | $430,968 (+3%) | $774,105 (+2.79%) Land $412,994 Building $361,111 |
| 2022 | $3,625.00 Homeowner's exemption | $418,416 | $753,076 Land $372,938 Building $380,138 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 103 Long Key Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 433 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 660 units insured incl. 227 condo units |
| Nearby Flood Claims | 80 (1999–2024) |
| Claims Outside the SFHA | 1 of 80 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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.
Wildfire risk around 103 Long Key Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 301 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 |
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