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154 Long Key Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 154 Long Key Rd, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,957 sqft · built 2020
Lot Size0.138 acres (6,000 sqft)
Owner2 Individual Names on File
Last Sale$1,732,500 (Aug 2025)
Tax Bill$10,163 (2025)
Deeds & MortgagesSep 2026 Mortgage
Oct 2023 Construction Loan
+ 5 more
Flood ZoneZone AE (high risk)
APN00533910-000000

Property Details

APN / Parcel Number

Primary APN00533910-000000
Alternative APNs
  • 31604000533910000000
  • 1657417

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,957 sqft Living Area
1st Floor Area482 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Architectural StyleMobile Home
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Foundation TypePile
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area6,000 sqft (0.138 acres)
Lot Dimensions100 ft deep x 60 ft wide
View / LotCanal
Garage TypeCovered
Garage Area1,371 sqft
PorchOpen Porch
Patio Area529 sqft

Utilities, Heating & Cooling

Cooling SystemWall Unit
Heating SystemForced Air with A/C

Location & Zoning

Account Number1657417
Street Address154 LONG KEY RD
CityKEY LARGO
StateFL
Zip33037-3036
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeURM
Legal DescriptionBK 2 LT 9 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR439-1005-1006 OR1627-1567/68 OR1819-1468/69 OR1819-1470/71 OR2150-74C OR2150-7576C OR2150-77D/C OR2150-78/79C OR2889-1575/76 OR3172-200 OR3192-1394
Legal Range40E
Legal Township60S
Legal Section31
Legal SubdivisionLAKE SURPRISE ESTATES
Legal Block2
Legal Lot Number9
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2014
Census Tract972700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed AreaWithin 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

154 Long Key Rd is owned by two individuals who bought it in August 2025.

Source: Monroe County records, as of September 24, 2026

Owner of Record2 Individual Names on File
Mailing Address21081 SW 132ND CT, MIAMI, FL 33177-6226
Owner TypeIndividual
VestingHusband and Wife

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

DateDocument
Sep 14, 2026Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Oct 4, 2023Deed of Trust, Mortgage · Construction Mortgage
HOMETOWN EQUITY MORTGAGE
Sep 2, 2022Intrafamily Transfer, Transfer
ATTORNEY
May 17, 2022Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
May 5, 2022Quit Claim Deed, Transfer
TRUSTAR TITLE COMPANY INC
Feb 21, 2020Deed of Trust, Mortgage · Conventional Mortgage
OLGEVA INVS
Jan 31, 2018Warranty Deed, Transfer
SUNSHINE TITLE CORPORATION

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 21, 2025 · Amount on File
Deed SaleAug 21, 2025 · Amount on File
Prior SaleJan 31, 2018 · Amount on File
Deed Document Number20252512622
Deed Book / Page3341 / 1038
Prior Transfer DateMay 5, 2022
Prior Transfer Doc0031720200
Record UpdatedOct 29, 2026

September 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Recording DateSep 14, 2026
Property Address154 LONG KEY RD, KEY LARGO, FL 33037-3036
Document Number0002560457
Book / Page3402 / 625
Instrument DateSep 14, 2026
Instrument20262560457
Transaction TypeMortgage
Record UpdatedSep 24, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address21081 SW 132ND CT, MIAMI, FL 33177-6226

Mortgage

Document Number0002560457,
DateSep 14, 2026
Book Page3402/625
Instrument20262560457
Lender
NameUNITED WHOLESALE MORTGAGE
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueOct 1, 2056
Interest
Rate TypeFixed Rate
Initial TypeFixed Rate
Max Rate-1%

October 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address154 LONG KEY RD, KEY LARGO, FL 33037-3036
Transaction TypeMortgage
Record UpdatedOct 26, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address6204 SW 161ST AVE, MIAMI, FL 33193-5596

Mortgage

Document Number0032451523
DateOct 4, 2023
Book Page3245/1523
Instrument2434899
Lender
NameHOMETOWN EQUITY MORTGAGE
TypeMortgage Company
AddressLAKE FOREST, CA 92630
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2053

September 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateSep 2, 2022
Property Address154 LONG KEY RD, KEY LARGO, FL 33037-3036
Document Number0031921394
Book / Page3192 / 1394
Map ReferenceMB 4 PG 162
Instrument DateSep 1, 2022
Instrument2390092
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address6204 SW 161ST AVE, 6204, MIAMI, FL 33193-5596

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address6204 SW 161ST AVE, MIAMI, FL 33193-5596

May 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address154 LONG KEY RD, KEY LARGO, FL 33037-3036
Transaction TypeMortgage
Record UpdatedJun 3, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address154 LONG KEY RD, KEY LARGO, FL 33037-3036

Mortgage

Document Number0031740625
DateMay 17, 2022
Book Page3174/625
Instrument2375984
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJun 1, 2052

May 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateMay 5, 2022
Property Address154 LONG KEY RD, KEY LARGO, FL 33037-3036
Document Number0031720200
Book / Page3172 / 200
Map ReferenceMB 4 PG 162
Instrument DateMay 5, 2022
Instrument2374244
Transaction TypeTransfer
Record UpdatedMay 31, 2022
Title CompanyTRUSTAR TITLE COMPANY INC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address6204 SW 161ST AVE, 6204, MIAMI, FL 33193-5596

Transferred To (Grantee/Buyer)

NameVerified Name
Address154 LONG KEY RD, KEY LARGO, FL 33037-3036

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address154 LONG KEY RD, KEY LARGO, FL 33037-3036
Document Number0030091961
Instrument DateFeb 21, 2020
Transaction TypeMortgage
Record UpdatedMar 23, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address12251 SW 128TH CT #103 MIAMI FL 331864780, 103, MIAMI, FL 33186-4780

Mortgage

Document Number0030091961
DateFeb 21, 2020
Book Page003009/001961
Instrument2256889
Lender
NameOLGEVA INVS
TypeMERS
AddressCORAL GABLES, FL 33134
Agreement
TypeConventional Mortgage
AmountAmount on Record

January 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJan 31, 2018
Property Address154 LONG KEY RD, KEY LARGO, FL 33037-3036
Document Number0028891575
Book / Page002889 / 001575
Instrument DateJan 25, 2018
Instrument2153300
Transaction TypeTransfer
Record UpdatedFeb 16, 2018
Title CompanySUNSHINE TITLE CORPORATION

Transaction

AmountAmount on Record
Tax$1,904.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address12251 SW 128TH CT #103 MIAMI FL 331864780, 103, MIAMI, FL 33186-4780

Tax Assessment & Valuation

The 2025 property tax bill for 154 Long Key Rd was $10,163, up 5.1% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$10,163.00 (+5.13%)$1,158,607 Land $610,095 Building $548,512$1,158,607 Land $610,095 Building $548,512
2024$9,667.00 (+10.99%)
2023$8,710.00 (+39.83%)$1,004,579 (+25.98%) Land $480,600 Building $523,979$1,004,579 (+25.98%) Land $480,600 Building $523,979
2022$6,229.00$797,436 Land $400,500 Building $396,936$797,436 Land $400,500 Building $396,936

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 154 Long Key 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 433 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies660 units insured
incl. 227 condo units
Nearby Flood Claims80 (1999–2024)
Claims Outside the SFHA1 of 80
Most Recent ClaimOct 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 154 Long Key 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 RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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

ProviderMax 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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