Monroe County property record for 18 S Exuma Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,774 sqft · built 1986 |
| Lot Size | 0.193 acres (8,400 sqft) |
| Owner | Trust Name on File |
| Last Sale | $15,500 (Feb 1976) |
| Tax Bill | $4,675 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00539950-000000 |
| Primary APN | 00539950-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,774 sqft Living Area |
| 1st Floor Area | 2,326 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plaster |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Geodesic/Dome |
| Roof Material | Concrete |
| Lot Area | 8,400 sqft (0.193 acres) |
| Lot Dimensions | 120 ft deep x 70 ft wide |
| View / Lot | Canal |
| Garage Type | Covered |
| Garage Area | 919 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 1,595 sqft |
| Patio Area | 2,600 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1663433 |
|---|---|
| Street Address | 18 S EXUMA RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 7 LT 29 OCEAN ISLE EST PB5-14 KEY LARGO OR613-357 OR641-834 OR956-1624 OR2626-2076/77 |
| Legal Range | 40E |
| Legal Township | 61S |
| Legal Section | 06 |
| Legal Subdivision | OCEAN ISLE ESTATE |
| Legal Block | 7 |
| Legal Lot Number | 29 |
| 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.
18 S Exuma Rd is owner-occupied and held in a trust since April 2013.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 18 S EXUMA RD, KEY LARGO, FL 33037-5006 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Personal Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 1, 1976 · Amount on File |
| Deed Sale | Feb 1, 1976 · Amount on File |
| Deed Book / Page | 641 / 834 |
| Last Transfer Date | Apr 29, 2013 |
| Transfer Doc | 0026262076 |
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of December 8, 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 | $545,210 | $1,420,871 Land $977,130 Building $443,741 | |
| 2024 | $4,675.00 (+4%) | ||
| 2023 | $4,495.00 (+5.89%) Homeowner's exemption | $514,413 (+3%) | $1,132,062 (+19.9%) Land $768,936 Building $363,126 |
| 2022 | $4,245.00 Homeowner's exemption | $499,431 | $944,152 Land $579,600 Building $364,552 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18 S Exuma 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 | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 18 S Exuma Rd is moderate, ranking above 50% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% 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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