Monroe County property record for 186 Long Key Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,032 sqft · built 2023 |
| Lot Size | 0.209 acres (9,100 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $360,000 (Mar 2004) |
| Tax Bill | $7,091 (2024) |
| Deeds & Mortgages | Apr 2026 Transfer Feb 2024 Line of Credit + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00533830-000000 |
| Primary APN | 00533830-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,032 sqft Living Area |
| 1st Floor Area | 995 sqft |
| Flooring | Terrazzo |
| Interior Walls | Masonry |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Mobile Home |
| Exterior Material | Combination |
| Construction Type | Wood |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 9,100 sqft (0.209 acres) |
| Lot Dimensions | 125 ft deep x 72 ft wide |
| View / Lot | Canal |
| Garage Type | Covered |
| Garage Area | 960 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 296 sqft |
| Deck Area | 216 sqft |
| Patio Area | 1,272 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1657336 |
|---|---|
| Street Address | 186 LONG KEY RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3036 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URM |
| Legal Description | BK 2 LT 1 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR609-456 OR806-2216 OR1292-2473 OR1292-2480/81D/C OR1828-233AFF OR1993-1168 OR2888-1879 |
| Legal Range | 40E |
| Legal Township | 60S |
| Legal Section | 31 |
| Legal Subdivision | LAKE SURPRISE ESTATES |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2014 |
| 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.
186 Long Key Rd is owner-occupied and held in a trust since February 2015.
Source: Monroe County records, as of May 7, 2026
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 | 2 Trust Names on File |
|---|---|
| Mailing Address | 186 LONG KEY RD, KEY LARGO, FL 33037-3036 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Apr 28, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Feb 27, 2024 | Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK |
| Jan 24, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 26, 2004 · Amount on File |
| Deed Sale | Mar 26, 2004 · Amount on File |
| Prior Sale | Feb 9, 1994 · Amount on File |
| Deed Book / Page | 1993 / 1168 |
| Last Transfer Date | Feb 23, 2015 |
| Transfer Doc | 0028881879 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 28, 2026 |
| Property Address | 186 LONG KEY RD, KEY LARGO, FL 33037-3036 |
| Document Number | 0002541367 |
| Book / Page | 3378 / 845 |
| Instrument Date | Apr 28, 2026 |
| Instrument | 20262541367 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 186 LONG KEY RD, KEY LARGO, FL 33037-3036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 186 LONG KEY RD, KEY LARGO, FL 33037-3036 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 186 LONG KEY RD, KEY LARGO, FL 33037-3036 |
| Document Number | 0032632378 |
|---|---|
| Date | Feb 27, 2024 |
| Book Page | 3263/2378 |
| Instrument | 2452439 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | 99451 OVERSEAS HWY, KEY LARGO, FL 33037 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 26, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jan 24, 2018 |
| Property Address | 186 LONG KEY RD, KEY LARGO, FL 33037-3036 |
| Document Number | 0028881879 |
| Book / Page | 002888 / 001879 |
| Instrument Date | Feb 23, 2015 |
| Instrument | 2152484 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11391 SW 122ND ST MIAMI FL 331764424, MIAMI, FL 33176-4424 |
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 | $860,460 | $1,199,530 Land $738,169 Building $461,361 | |
| 2024 | $7,091.00 (+127.28%) | ||
| 2023 | $3,120.00 (+32.77%) | $357,944 (+42.15%) Land $253,594 Building $104,350 | $357,944 (-41.7%) Land $253,594 Building $104,350 |
| 2022 | $2,350.00 Homeowner's exemption | $251,812 | $613,952 Land $484,575 Building $129,377 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 186 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 |
|
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 186 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.
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 |
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