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

Monroe County property record for 179 Long Key Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,917 sqft · built 2020
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$100 (Nov 2019)
Tax Bill	$7,454 (2024)
Deeds & Mortgages	Nov 2019 Construction Loan
Flood Zone	Zone AE (high risk)
APN	`00534240-000000`

Property Details

APN / Parcel Number

Primary APN	`00534240-000000`
Alternative APNs	`31604000534240000000` `1657743`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,917 sqft Living Area
Gross Area	2,205 sqft
1st Floor Area	720 sqft
Flooring	Terrazzo
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Mobile Home
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Flat
Roof Material	Concrete
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
View / Lot	Canal
Garage Type	Attached
Garage Area	288 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	240 sqft
Deck Area	280 sqft
Patio Area	20 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1657743
Street Address	179 LONG KEY RD
City	KEY LARGO
State	FL
Zip	33037-3053
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URM
Legal Description	BK 2 LT 42 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR440-400-401 OR638-553C OR687-258D/C OR756-1903 OR1999-1198 OR2656-64D/C OR2662-266 OR2996-1836
Legal Range	40E
Legal Township	60S
Legal Section	31
Legal Subdivision	LAKE SURPRISE ESTATES
Legal Block	2
Legal Lot Number	42
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2014
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

179 Long Key Rd is owned and occupied by two individuals who bought it in November 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	179 LONG KEY RD, KEY LARGO, FL 33037-3053
Occupancy	Owner Occupied
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	Nov 26, 2019 · Amount on File
Deed Sale	Nov 26, 2019 · Amount on File
Prior Sale	May 4, 2004 · Amount on File
Deed Document Number	20192246402
Deed Book / Page	2996 / 1836
Prior Transfer Date	Oct 25, 2019
Prior Transfer Doc	0029961836
Record Updated	Oct 29, 2026

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Nov 26, 2019
Property Address	179 LONG KEY RD, KEY LARGO, FL 33037-3053
Document Number	0029961836
Book / Page	2996 / 1836
Map Reference	MB 4 PG 162
Instrument Date	Oct 25, 2019
Instrument	2246402
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	CORAL REEF TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	175 LONG KEY RD, KEY LARGO, FL 33037-3053

Mortgage

Document Number	0029961837
Date	Nov 26, 2019
Instrument	2996-1837

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	5.5%
Index	1-Year CMT
Max Rate	9.5%

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		$907,860	$1,067,164 Land $610,095 Building $457,069
2024	$7,454.00 (+3.37%)
2023	$7,211.00 (+6.23%) Homeowner's exemption	$856,578 (+3%)	$913,654 (+9.86%) Land $480,600 Building $433,054
2022	$6,788.00 Homeowner's exemption	$831,630 Land $400,500 Building $431,130	$831,630 Land $400,500 Building $431,130

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

Flood

FEMA maps place 179 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 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 179 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 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