Monroe County property record for 129 Long Key Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,457 sqft · built 2005 |
| Lot Size | 0.137 acres (6,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,200,000 (Jun 2023) |
| Tax Bill | $8,493 (2024) |
| Deeds & Mortgages | Sep 2025 Mortgage Jul 2025 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00534120-000000 |
| Primary APN | 00534120-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,457 sqft Living Area |
| 1st Floor Area | 1,457 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Other |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,000 sqft (0.137 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 424 sqft |
| Patio Area | 210 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1657620 |
|---|---|
| Old Parcel Number | 31604000534120000000 |
| Street Address | 129 LONG KEY RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3053 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 2 LOT 30 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR179-99 OR372-209 OR794-231 OR1427-2285 OR1525-1233 OR1525-1239 |
| Legal Range | 40E |
| Legal Township | 60S |
| Legal Section | 31 |
| Legal Subdivision | LAKE SURPRISE ESTATES |
| Legal Block | 2 |
| Legal Lot Number | 30 |
| 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 December 5, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 129 LONG KEY RD, KEY LARGO, FL 33037-3053 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 18, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 7, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 21, 2025 | Deed of Trust, Mortgage · Line of Credit SOUTHSTATE BANK NA |
| Jun 16, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 27, 2021 | Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 16, 2023 · Amount on Record |
| Deed Sale | Jun 16, 2023 · Amount on Record |
| Prior Sale | Dec 27, 2021 |
| Deed Document Number | 2422113 |
| Deed Book / Page | 3230 / 1384 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 129 LONG KEY RD, KEY LARGO, FL 33037-3053 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 129 LONG KEY RD, KEY LARGO, FL 33037-3053 |
| Document Number | 0033450999 |
|---|---|
| Date | Sep 18, 2025 |
| Book Page | 3345/999 |
| Instrument | 2515664 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 178 Months |
| Due | Jul 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 129 LONG KEY RD, KEY LARGO, FL 33037-3053 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 129 LONG KEY RD, KEY LARGO, FL 33037-3053 |
| Document Number | 0033340319 |
|---|---|
| Date | Jul 7, 2025 |
| Book Page | 3334/319 |
| Instrument | 2506946 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 129 LONG KEY RD, KEY LARGO, FL 33037-3053 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 129 LONG KEY RD, KEY LARGO, FL 33037-3053 |
| Document Number | 0033411200 |
|---|---|
| Date | Aug 21, 2025 |
| Book Page | 3341/1200 |
| Instrument | 2512665 |
| Name | SOUTHSTATE BANK NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 20, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jun 16, 2023 |
| Property Address | 129 LONG KEY RD, KEY LARGO, FL 33037-3053 |
| Document Number | 0032301384 |
| Book / Page | 3230 / 1384 |
| Map Reference | MB 4 PG 162 |
| Instrument Date | Jun 6, 2023 |
| Instrument | 2422113 |
| Transaction Type | Transfer |
| Record Updated | Jul 10, 2023 |
| Title Company | HBG TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,400.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2 TIGER LN, CENTER MORICHES, NY 11934-3215 |
| Name | Verified Name |
|---|---|
| Address | 129 LONG KEY RD, KEY LARGO, FL 33037-3053 |
| Document Number | 0032301386 |
|---|---|
| Date | Jun 16, 2023 |
| Book Page | 3230/1386 |
| Instrument | 2422114 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Dec 27, 2021 |
| Property Address | 129 LONG KEY RD, KEY LARGO, FL 33037-3053 |
| Document Number | 0031450060 |
| Book / Page | 3145 / 60 |
| Map Reference | MB 4 PG 162 |
| Instrument Date | Dec 22, 2021 |
| Instrument | 2354178 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 39 OCEAN AVE, 39, CENTER MORICHES, NY 11934-3332 |
| Name | Verified Name |
|---|---|
| Address | 129 LONG KEY RD, KEY LARGO, FL 33037-3053 |
Source: Monroe County assessment roll, as of July 1, 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 | $1,043,504 (+21.45%) | $1,043,765 (+21.48%) Land $610,095 Building $433,670 | |
| 2024 | $8,493.00 (+12.4%) | ||
| 2023 | $7,556.00 (+12.31%) | $859,190 (+9.65%) Land $480,600 Building $378,590 | $859,190 (+9.65%) Land $480,600 Building $378,590 |
| 2022 | $6,728.00 | $783,549 Land $400,500 Building $383,049 | $783,549 Land $400,500 Building $383,049 |
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 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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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