169 Grassy Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 169 Grassy Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,176 sqft · built 2005
Lot Size	0.169 acres (7,364 sqft)
Owner	Individual Name on File
Last Sale	$460,000 (Aug 2013)
Tax Bill	$7,207 (2024)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00533650-000000`

Property Details

APN / Parcel Number

Primary APN	`00533650-000000`
Alternative APNs	`31604000533650000000` `1657166`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,176 sqft Living Area
1st Floor Area	1,176 sqft
Attic	Attic
Attic Area	728 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	Metal
Lot Area	7,364 sqft (0.169 acres)
Lot Dimensions	123 ft deep x 60 ft wide
Garage Area	240 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	928 sqft
Patio Area	30 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1657166
Old Parcel Number	31604000533650000000
Street Address	169 GRASSY RD
City	KEY LARGO
State	FL
Zip	33037-3004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1 LT 6 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR452-935-936OR789-808 OR789-1300 OR1394-1264 OR1394-1265 OR2645-1868
Legal Range	40E
Legal Township	60S
Legal Section	31
Legal Subdivision	LAKE SURPRISE ESTATES
Legal Block	1
Legal Lot Number	6
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

169 Grassy Rd is owned by an individual who bought it in August 2013.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5731 SW 32ND ST, MIAMI, FL 33155-4019
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	Aug 19, 2013 · Amount on File
Deed Sale	Aug 19, 2013 · Amount on File
Prior Sale	Aug 19, 2013 · Amount on File
Deed Document Number	1946549
Deed Book / Page	2645 / 1868
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	169 GRASSY RD, KEY LARGO, FL 33037-3004
Document Number	0030311948
Instrument Date	Jul 2, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5731 SW 32ND ST MIAMI FL 331554019, MIAMI, FL 33155-4019

Mortgage

Document Number	0030311948
Date	Jul 14, 2020
Book Page	003031/001948
Instrument	2273057

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 13, 2050

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		$1,000,078 Land $664,656 Building $335,422	$1,000,078 Land $664,656 Building $335,422
2024	$7,207.00 (+12.47%)
2023	$6,408.00 (+14.47%)	$854,021 (+17.1%) Land $523,580 Building $330,441	$854,021 (+17.1%) Land $523,580 Building $330,441
2022	$5,598.00	$729,318 Land $436,317 Building $293,001	$729,318 Land $436,317 Building $293,001

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

Flood

FEMA maps place 169 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 169 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