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181 Grassy Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 181 Grassy Rd, Key Largo, FL 33037

Property Summary

Property TypeMobile Home
Details3 bd · 2 ba · 1,504 sqft · built 1994
Lot Size0.175 acres (7,602 sqft)
Owner2 Individual Names on File
Last Sale$860,000 (May 2025)
Tax Bill$6,608 (2024)
Deeds & MortgagesJul 2023 Transfer
Jan 2022 Sale
+ 1 more
Flood ZoneZone AE (high risk)
APN00533620-000000

Property Details

APN / Parcel Number

Primary APN00533620-000000
Alternative APN
  • 1657131

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,504 sqft Living Area
1st Floor Area1,504 sqft
FlooringWood
Interior WallsMasonry

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 2010
Architectural StyleMobile Home
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area7,602 sqft (0.175 acres)
Lot Dimensions126 ft deep x 60 ft wide
View / LotCanal

Exterior Amenities

PorchFlorida Room
Porch Area520 sqft
Deck Area782 sqft
Patio Area1,250 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1657131
Street Address181 GRASSY RD
CityKEY LARGO
StateFL
Zip33037-3004
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Local Zoning CodeURM
Legal DescriptionBK 1 LT 3 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR477-744 OR913-123 OR1080-1268 OR1080-1270 OR1265-1672 OR1456-704 OR1658-1081 OR3147-2478 OR3234-1980
Legal Range40E
Legal Township60S
Legal Section31
Legal SubdivisionLAKE SURPRISE ESTATES
Legal Block1
Legal Lot Number3
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2004
Census Tract972700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed AreaWithin 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

181 Grassy Rd, a mobile home, is owned and occupied by two individuals who bought it in May 2025.

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

Owner of Record2 Individual Names on File
Mailing Address181 GRASSY RD, KEY LARGO, FL 33037-3004
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

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

DateDocument
Jul 18, 2023Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Jan 10, 2022Warranty Deed, Transfer
BB TITLE LLC, B2B TITLE LLC
Mar 19, 2021Deed of Trust, Mortgage · Conventional Mortgage
EAST COAST MORTGAGE LENDERS INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 23, 2025 · Amount on File
Deed SaleMay 23, 2025 · Amount on File
Prior SaleJan 10, 2022 · Amount on File
Deed Document Number2025501947
Deed Book / Page3327 / 1196
Prior Transfer DateJun 27, 2023
Prior Transfer Doc0032341980
Record UpdatedJun 8, 2026

July 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateJul 18, 2023
Property Address181 GRASSY RD, KEY LARGO, FL 33037-3004
Document Number0032341980
Book / Page3234 / 1980
Map ReferenceMB 4 PG 162
Instrument DateJun 27, 2023
Instrument2425478
Transaction TypeTransfer
Record UpdatedAug 21, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1236 OBISPO AVE, CORAL GABLES, FL 33134-3510

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address1236 OBISPO AVE, CORAL GABLES, FL 33134-3510

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJan 10, 2022
Property Address181 GRASSY RD, KEY LARGO, FL 33037-3004
Document Number0031472478
Book / Page3147 / 2478
Map ReferenceMB 4 PG 162
Instrument DateJan 4, 2022
Instrument2356217
Transaction TypeTransfer
Record UpdatedJan 24, 2022
Title CompanyBB TITLE LLC, B2B TITLE LLC

Transaction

AmountAmount on Record
Tax$4,935.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6082 SE LANDING WAY APT 4, 6082, STUART, FL 34997-1888

Transferred To (Grantee/Buyer)

NameVerified Name
Address11 GRASSY RD, KEY LARGO, FL 33037-3030

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address181 GRASSY RD, KEY LARGO, FL 33037-3004
Transaction TypeMortgage
Record UpdatedApr 6, 2021
Title CompanySOUTH FLORIDA TITLE, SOUTH FLORIDA TITLE SVCS INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address181 GRASSY RD, KEY LARGO, FL 33037-3004

Mortgage

Document Number0030822123
DateMar 19, 2021
Book Page3082/2123
Instrument2309413
Lender
NameEAST COAST MORTGAGE LENDERS INC
TypeMortgage Company
AddressPALM CITY, FL 34990
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term241 Months
DueApr 1, 2041

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$826,454 Land $677,452 Building $149,002$826,454 Land $677,452 Building $149,002
2024$6,608.00 (+13.44%)
2023$5,825.00 (+17.11%)$641,103 (+15.65%) Land $533,660 Building $107,443$641,103 (+15.65%) Land $533,660 Building $107,443
2022$4,974.00$554,330 Land $444,717 Building $109,613$554,330 Land $444,717 Building $109,613

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

Flood

FEMA maps place 181 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 433 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies660 units insured
incl. 227 condo units
Nearby Flood Claims80 (1999–2024)
Claims Outside the SFHA1 of 80
Most Recent ClaimOct 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 181 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 RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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

ProviderMax 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

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