Monroe County property record for 116 Long Key Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,472 sqft · built 2006 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,175,000 (Jun 2026) |
| Tax Bill | $9,396 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Dec 2022 Transfer + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00534010-000000 |
| Primary APN | 00534010-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,472 sqft Living Area |
| 1st Floor Area | 1,472 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Combination |
| Construction Type | Wood |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| View / Lot | Canal |
| Garage Type | Covered |
| Garage Area | 900 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 883 sqft |
| Deck Area | 16 sqft |
| Patio Area | 16 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1657514 |
|---|---|
| Street Address | 116 LONG KEY RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3036 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URM |
| Legal Description | BK 2 LT 19 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR438-1085/86OR746-352 OR746-353 OR788-418 OR971-2134D/C OR980-1036AFF OR1789-1888/89PET OR1789-1891/94WILL OR1955-2440ORD OR1972-1666ORD/R/S OR2069-266/267R/S OR2097-905 OR3092-660 OR3206-2147 |
| Legal Range | 40E |
| Legal Township | 60S |
| Legal Section | 31 |
| Legal Subdivision | LAKE SURPRISE ESTATES |
| Legal Block | 2 |
| Legal Lot Number | 19 |
| 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.
Source: Monroe County records, as of June 26, 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 | 2520 SW 92ND CT, MIAMI, FL 33165-8139 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 18, 2026 | Warranty Deed, Transfer · Conventional Mortgage ELITA LAND TITLE, ELITE LAND TITLE |
| Dec 30, 2022 | Intrafamily Transfer, Transfer |
| Apr 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 18, 2026 · Amount on Record |
| Deed Sale | Jun 18, 2026 · Amount on Record |
| Prior Sale | Apr 26, 2021 · Amount on Record |
| Deed Document Number | 20262548132 |
| Deed Book / Page | 3387 / 1 |
| Prior Transfer Date | Dec 16, 2022 |
| Prior Transfer Doc | 0032062147 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jun 18, 2026 |
| Property Address | 116 LONG KEY RD, KEY LARGO, FL 33037-3036 |
| Document Number | 0002548132 |
| Book / Page | 3387 / 1 |
| Instrument Date | Jun 11, 2026 |
| Instrument | 20262548132 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2026 |
| Title Company | ELITA LAND TITLE, ELITE LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $830,725.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2520 SW 92ND CT, MIAMI, FL 33165-8139 |
| Document Number | 0002548133, |
|---|---|
| Date | Jun 18, 2026 |
| Instrument | 20262548133 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Dec 30, 2022 |
| Property Address | 116 LONG KEY RD, KEY LARGO, FL 33037-3036 |
| Document Number | 0032062147 |
| Book / Page | 3206 / 2147 |
| Map Reference | MB 4 PG 162 |
| Instrument Date | Dec 16, 2022 |
| Instrument | 2402191 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1290 MANOR DR, RIVIERA BEACH, FL 33404-2741 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 1290 MANOR DR, RIVIERA BEACH, FL 33404-2741 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 26, 2021 |
| Property Address | 116 LONG KEY RD, KEY LARGO, FL 33037-3036 |
| Document Number | 0030920660 |
| Book / Page | 3092 / 660 |
| Map Reference | MB 4 PG 162 |
| Instrument Date | Apr 9, 2021 |
| Instrument | 2316017 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Title Company | SUNSHINE TITLE/THE KEYS INC, SUNSHINE TITLE OF KEYS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,285.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 116 LONG KEY RD, 116, KEY LARGO, FL 33037-3036 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1290 MANOR DR, RIVIERA BEACH, FL 33404-2741 |
| Document Number | 3092662 |
|---|---|
| Date | Apr 26, 2021 |
| Instrument | 3092/662 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
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 | $9,396.00 (+6.06%) | $1,063,249 (+18.65%) Land $610,095 Building $453,154 | $1,063,249 (+18.65%) Land $610,095 Building $453,154 |
| 2024 | $8,859.00 (+12.87%) | ||
| 2023 | $7,849.00 (+11.41%) | $896,128 (+8.63%) Land $480,600 Building $415,528 | $896,128 (+8.63%) Land $480,600 Building $415,528 |
| 2022 | $7,045.00 | $824,945 Land $400,500 Building $424,445 | $824,945 Land $400,500 Building $424,445 |
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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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.
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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