Monroe County property record for 12 Grassy Rd, Key Largo, FL 33037
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,440 sqft · built 1975 |
| Lot Size | 0.083 acres (3,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $360,000 (Aug 2019) |
| Tax Bill | $4,334 (2024) |
| Deeds & Mortgages | Aug 2019 Sale & Mortgage Apr 2018 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00532701-019400 |
| Primary APN | 00532701-019400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 1,440 sqft |
| Flooring | Plywood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Mobile Home |
| Exterior Material | Metal |
| Construction Type | Metal Frame |
| Roof Type | Flat |
| Roof Material | Concrete |
| Lot Area | 3,600 sqft (0.083 acres) |
| Lot Dimensions | 80 ft deep x 45 ft wide |
| View / Lot | Canal |
| Porch | Open Porch |
| Porch Area | 20 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1653829 |
|---|---|
| Street Address | 12 GRASSY RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3011 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | URM |
| Legal Description | BK 6 LT 40 SEXTON COVE ESTATES - RESUBDIVISION KEY LARGO PB6-30 OR781-283 OR848-1307 OR1498-1349/50P/R OR1585-857ORD OR2520-1070 OR2902-1308/09 OR2980-1864 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 01 |
| Legal Subdivision | SEXTON COVES ESTATES |
| Legal Block | 6 |
| Legal Lot Number | 40 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2004 |
| 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.
12 Grassy Rd, a mobile home, is owned and occupied by two individuals who bought it in August 2019.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 GRASSY RD, KEY LARGO, FL 33037-3011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Aug 20, 2019 | Warranty Deed, Transfer · Conventional Mortgage TIM & POLLY MACDONALD |
| Apr 20, 2018 | Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE EXPRESS/AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 2019 · Amount on File |
| Deed Sale | Aug 20, 2019 · Amount on File |
| Prior Sale | Apr 20, 2018 · Amount on File |
| Deed Document Number | 20192233356 |
| Deed Book / Page | 2980 / 1864 |
| Prior Transfer Date | Apr 4, 2018 |
| Prior Transfer Doc | 0029021308 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 20, 2019 |
| Property Address | 12 GRASSY RD, KEY LARGO, FL 33037-3011 |
| Document Number | 0029801864 |
| Book / Page | 002980 / 001864 |
| Instrument Date | Aug 14, 2019 |
| Instrument | 2233356 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2019 |
| Title Company | POSH TITLE SERVICES INC, POSH TITLE SVCS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,520.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 GRASSY READ KEY LARGO FL 33037, KEY LARGO, FL 33037 |
| Document Number | 29801866 |
|---|---|
| Date | Aug 20, 2019 |
| Book Page | 002980/001866 |
| Instrument | 2233357 |
| Name | TIM & POLLY MACDONALD |
|---|---|
| Address | 5440 E GRAPEVIEW LOOP RD, ALLYN, WA 98524-7732 |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 19, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.2% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 20, 2018 |
| Property Address | 12 GRASSY RD, KEY LARGO, FL 33037-3011 |
| Document Number | 0029021308 |
| Book / Page | 002902 / 001308 |
| Instrument Date | Apr 4, 2018 |
| Instrument | 2165322 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5440 E GRAPEVIEW LOOP RD ALLYN WA 985247732, ALLYN, WA 98524-7732 |
| Document Number | 29021310 |
|---|---|
| Date | Apr 20, 2018 |
| Book Page | 002902/001310 |
| Instrument | 2165323 |
| Name | MORTGAGE EXPRESS/AMERICA |
|---|---|
| Type | Mortgage Company |
| Address | EAST LANSING, MI 48823 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 19, 2048 |
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 | $579,790 Land $489,447 Building $90,343 | $579,790 Land $489,447 Building $90,343 | |
| 2024 | $4,334.00 (+17.52%) | ||
| 2023 | $3,688.00 (+13.76%) | $438,345 (+19.43%) Land $343,440 Building $94,905 | $438,345 (+19.43%) Land $343,440 Building $94,905 |
| 2022 | $3,242.00 | $367,017 Land $286,200 Building $80,817 | $367,017 Land $286,200 Building $80,817 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Grassy 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 12 Grassy Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% 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 228 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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