15 Susan St, Key Largo, FL 33037 Property Records

Monroe County property record for 15 Susan St, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,032 sqft · built 1990
Lot Size	0.09 acres (3,940 sqft)
Owner	Individual Name on File
Last Sale	$500,000 (Mar 2022)
Tax Bill	$4,636 (2024)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Dec 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`00509230-000000`

Property Details

APN / Parcel Number

Primary APN	`00509230-000000`
Alternative APNs	`12613900509230000000` `1628557`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,032 sqft Living Area
1st Floor Area	792 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2010
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,940 sqft (0.09 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	220 sqft
Deck Area	582 sqft
Patio Area	44 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1628557
Old Parcel Number	12613900509230000000
Street Address	15 SUSAN ST
City	KEY LARGO
State	FL
Zip	33037-4871
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 4 LT 15 LARGO CITY PB4-142 KEY LARGO OR376-257/258 OR855-776 OR1067-921 OR1083-1935 OR1107-2149 OR1139-1646 OR2246-564
Legal Range	39E
Legal Township	61S
Legal Section	12
Legal Subdivision	LARGO CITY
Legal Block	4
Legal Lot Number	15
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1030
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

15 Susan St is owned by an individual who bought it in March 2022.

Source: Monroe County records, as of December 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	512 SW 113TH AVE, MIAMI, FL 33174-1143
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

Date	Document
Mar 22, 2022	Warranty Deed, Transfer · FHA Mortgage BANKING MORTGAGE SERVICES
Dec 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage INTERCONTINENTAL CAPITAL GROUP INC
Aug 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jan 12, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 23, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 25, 2020	Deed of Trust, Mortgage · FHA Mortgage INTERCONTINENTAL CAP
May 4, 2017	Grant Deed, Transfer · FHA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2022 · Amount on File
Deed Sale	Mar 22, 2022 · Amount on File
Prior Sale	May 4, 2017 · Amount on File
Deed Document Number	2366953
Deed Book / Page	3162 / 1267
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 22, 2022
Property Address	15 SUSAN ST, KEY LARGO, FL 33037-4871
Document Number	0031621267
Book / Page	3162 / 1267
Map Reference	MB 4 PG 142
Instrument Date	Mar 18, 2022
Instrument	2366953
Transaction Type	Transfer
Record Updated	Apr 8, 2022
Title Company	P AND P TITLE SERVICES LLC, P & P TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	416 MAHOGANY AVE, 416, KEY LARGO, FL 33037-2029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 SW 113TH AVE, MIAMI, FL 33174-1143

Mortgage

Document Number	0031621270
Date	Mar 22, 2022
Instrument	3162/1270

Lender

Name	BANKING MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	15 SUSAN ST, KEY LARGO, FL 33037-4871
Transaction Type	Mortgage
Record Updated	Dec 15, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 SUSAN ST, KEY LARGO, FL 33037-4871

Mortgage

Document Number	0031401914
Date	Dec 2, 2021
Book Page	3140/1914
Instrument	2351015

Lender

Name	INTERCONTINENTAL CAPITAL GROUP INC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	15 SUSAN ST, KEY LARGO, FL 33037-4871
Transaction Type	Mortgage
Record Updated	Sep 13, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 SUSAN ST, KEY LARGO, FL 33037-4871

Mortgage

Document Number	0031211387
Date	Aug 24, 2021
Book Page	3121/1387
Instrument	2336725

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	347 Months
Due	Jul 1, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	15 SUSAN ST, KEY LARGO, FL 33037-4871
Transaction Type	Mortgage
Record Updated	Feb 17, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 SUSAN ST, KEY LARGO, FL 33037-4871

Mortgage

Document Number	0030681155
Date	Jan 12, 2021
Book Page	3068/1155
Instrument	2298917

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	354 Months
Due	Jul 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	15 SUSAN ST, KEY LARGO, FL 33037-4871
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029851935
Date	Sep 23, 2019
Book Page	2985/1935
Instrument	2237557

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	15 SUSAN ST, KEY LARGO, FL 33037-4871
Document Number	0030300930
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Aug 24, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15 SUSAN ST KEY LARGO FL 330374871, KEY LARGO, FL 33037-4871

Mortgage

Document Number	0030300930
Date	Jul 6, 2020
Book Page	003030/000930
Instrument	2271973

Lender

Name	INTERCONTINENTAL CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2050

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE FL
Recording Date	May 4, 2017
Property Address	15 SUSAN ST, KEY LARGO, FL 33037-4871
Document Number	0028521489
Book / Page	002852 / 001489
Instrument Date	Apr 26, 2017
Instrument	2121663
Transaction Type	Transfer
Record Updated	Jun 14, 2017
Title Company	SUNSHINE TITLE CORPORATION, SUNSHINE TITLE CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,011.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15 SUSAN ST KEY LARGO FL 330374871, KEY LARGO, FL 33037-4871

Mortgage

Document Number	28521491
Date	May 4, 2017
Book Page	002852/001491
Instrument	2121664

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 3, 2047

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$500,084 Land $275,524 Building $224,560	$500,084 Land $275,524 Building $224,560
2024	$4,636.00 (+8.7%)
2023	$4,265.00 (+95.46%)	$443,103 (+94.07%) Land $256,163 Building $186,940	$443,103 (+19.48%) Land $256,163 Building $186,940
2022	$2,182.00 Homeowner's exemption	$228,325	$370,863 Land $181,697 Building $189,166

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.

Flood

FEMA maps place 15 Susan St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 225 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	225 in force
Nearby Flood Claims	29 (2017–2023)
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 28 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 15 Susan St is moderate, ranking above 43% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.08% 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 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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