165 Grassy Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 165 Grassy Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,976 sqft · built 2005
Lot Size	0.167 acres (7,286 sqft)
Owner	Individual Name on File
Last Sale	$543,400 (Apr 2015)
Tax Bill	$8,731 (2024)
Deeds & Mortgages	Nov 2025 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`00533660-000000`

Property Details

APN / Parcel Number

Primary APN	`00533660-000000`
Alternative APNs	`31604000533660000000` `1657174`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,976 sqft Living Area
1st Floor Area	1,976 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	7,286 sqft (0.167 acres)
Lot Dimensions	121 ft deep x 60 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	572 sqft
Deck Area	45 sqft
Patio Area	45 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1657174
Old Parcel Number	31604000533660000000
Street Address	165 GRASSY RD
City	KEY LARGO
State	FL
Zip	33037-3004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1 LT 7 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR586-702 OR804-109 OR1977-784D/C OR2029-1930 OR2057-1550 OR2057-1558AFF
Legal Range	40E
Legal Township	60S
Legal Section	31
Legal Subdivision	LAKE SURPRISE ESTATES
Legal Block	1
Legal Lot Number	7
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

165 Grassy Rd is owned by an individual who bought it in April 2015.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	9825 SW 105TH TER, MIAMI, FL 33176-2868
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	Apr 20, 2015 · Amount on File
Deed Sale	Apr 20, 2015 · Amount on File
Prior Sale	Jul 31, 2014
Deed Document Number	2025047
Deed Book / Page	2735 / 2349
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	165 GRASSY RD, KEY LARGO, FL 33037-3004
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9825 SW 105TH TER, MIAMI, FL 33176-2868
Investor	Possibly a Property Investor

Mortgage

Document Number	0033540023
Date	Nov 18, 2025
Book Page	3354/23
Instrument	2522503

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$1,394,940 Land $740,859 Building $654,081	$1,394,940 Land $740,859 Building $654,081
2024	$8,731.00 (+18.16%)
2023	$7,389.00 (+17.01%)	$1,070,556 (+21%) Land $524,592 Building $545,964	$1,070,556 (+21%) Land $524,592 Building $545,964
2022	$6,315.00	$884,732 Land $437,160 Building $447,572	$884,732 Land $437,160 Building $447,572

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

Flood

FEMA maps place 165 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 165 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