149 Grassy Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 149 Grassy Rd, Key Largo, FL 33037

Property Summary

Property Type	Mobile Home
Details	2 bd · 1 ba · 956 sqft · built 1972
Lot Size	0.16 acres (6,976 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Dec 2018)
Tax Bill	$5,060 (2024)
Deeds & Mortgages	Dec 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00533700-000000`

Property Details

APN / Parcel Number

Primary APN	`00533700-000000`
Alternative APNs	`31604000533700000000` `1657212`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	956 sqft Living Area
1st Floor Area	956 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1993
Architectural Style	Mobile Home
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Flat
Roof Material	Metal
Lot Area	6,976 sqft (0.16 acres)
Lot Dimensions	116 ft deep x 60 ft wide

Exterior Amenities

Porch	Enclosed Porch
Porch Area	200 sqft
Patio Area	754 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	1657212
Street Address	149 GRASSY RD
City	KEY LARGO
State	FL
Zip	33037-3004
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	URM
Legal Description	BK 1 LT 11 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR474-36 OR803-2217 OR834-43 OR2629-1917/18 OR2939-632
Legal Range	40E
Legal Township	60S
Legal Section	31
Legal Subdivision	LAKE SURPRISE ESTATES
Legal Block	1
Legal Lot Number	11
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2004
Census Tract	972700

Historic Designation

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.

Owner

149 Grassy Rd, a mobile home, is owned by two individuals who bought it in December 2018.

Source: Monroe County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	8300 SW 62ND CT, SOUTH MIAMI, FL 33143-8008
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2018 · Amount on File
Deed Sale	Dec 6, 2018 · Amount on File
Prior Sale	Jun 1, 1981 · Amount on File
Deed Document Number	20182197233
Deed Book / Page	2939 / 632
Prior Transfer Date	May 9, 2013
Prior Transfer Doc	0026291917
Record Updated	Jun 8, 2026

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 6, 2018
Property Address	149 GRASSY RD, KEY LARGO, FL 33037-3004
Document Number	0029390632
Book / Page	2939 / 0632
Map Reference	MB 4 PG 162
Instrument Date	Nov 28, 2018
Instrument	2197233
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8300 SW 62ND CT, SOUTH MIAMI, FL 33143-8008

Mortgage

Document Number	0002197234
Date	Dec 6, 2018
Instrument	2197234

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Jan 1, 2024
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year LIBOR
Max Rate	11.2%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$718,668 Land $653,547 Building $65,121	$718,668 Land $653,547 Building $65,121
2024	$5,060.00 (+14.95%)
2023	$4,402.00 (+13.54%)	$575,499 (+17.26%) Land $514,829 Building $60,670	$575,499 (+17.26%) Land $514,829 Building $60,670
2022	$3,877.00	$490,793 Land $429,024 Building $61,769	$490,793 Land $429,024 Building $61,769

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 149 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	Hurricane Ian, Sep 2022 · 11 claims Hurricane Irma, Sep 2017 · 33 claims Hurricane Wilma, Oct 2005 · 13 claims

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

Wildfire risk around 149 Grassy Rd is low, with a 0.01% annual chance of wildfire.

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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

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