Monroe County property record for 18 Cayman Ln, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 4 ba · 1,959 sqft · built 1995 |
| Lot Size | 0.264 acres (11,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $75,000 (Oct 1991) |
| Tax Bill | $5,384 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00540220-000000 |
| Primary APN | 00540220-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Stories | 3 Stories |
| Building Area | 1,959 sqft Living Area |
| 1st Floor Area | 1,959 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 11,500 sqft (0.264 acres) |
| Garage Area | 325 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 1,226 sqft |
| Deck Area | 80 sqft |
| Patio Area | 3,780 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1663719 |
|---|---|
| Old Parcel Number | 06614000540220000000 |
| Street Address | 18 CAYMAN LN |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OCEAN ISLE EST PB5-14 KEY LARGO LOT 18 BK 8 OR315-323 OR783-1500 OR786-1770/71 OR802-524 OR832-978 OR832-1110/11QC OR837-131 |
| Legal Range | 40E |
| Legal Township | 61S |
| Legal Section | 06 |
| Legal Subdivision | OCEAN ISLE ESTATE |
| Legal Block | 8 |
| Legal Lot Number | 18 19 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 972700 |
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.
Source: Monroe County records, as of December 5, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 18 CAYMAN LN, KEY LARGO, FL 33037-5013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 1991 · Amount on Record |
| Deed Sale | Oct 1, 1991 · Amount on Record |
| Deed Document Number | 0001188970 |
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $637,741 (+5.99%) | $1,182,019 (-24.95%) Land $632,126 Building $549,893 | |
| 2024 | $5,384.00 (+3.78%) | ||
| 2023 | $5,188.00 (+6.01%) Homeowner's exemption | $601,717 (+3%) | $1,575,075 (+15.41%) Land $1,076,810 Building $498,265 |
| 2022 | $4,894.00 Homeowner's exemption | $584,192 | $1,364,744 Land $862,305 Building $502,439 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 188 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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