Monroe County property record for 20 Exuma Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,684 sqft · built 1969 |
| Lot Size | 0.229 acres (9,975 sqft) |
| Owner | Company Name on Record |
| Last Sale | $5,195,000 (May 2023) |
| Tax Bill | $28,793 (2024) |
| Deeds & Mortgages | May 2023 Sale May 2021 Sale + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00569940-000000 |
| Primary APN | 00569940-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,684 sqft Living Area |
| Gross Area | 1,819 sqft |
| 1st Floor Area | 1,684 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wood |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 9,975 sqft (0.229 acres) |
| Garage Type | Attached |
| Garage Area | 135 sqft |
| Porch | Open Porch |
| Porch Area | 875 sqft |
| Patio Area | 1,450 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1703222 |
|---|---|
| Street Address | 20 EXUMA RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5274 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 6 LT 8 OCEAN REEF PLAT #1 AMD KEY LARGO PB5-72 OR540-588 OR981-1790 OR1461-1667 OR2098-226 OR3009-2279 OR3096-1778 OR3225-1029 |
| Legal Range | 41E |
| Legal Township | 59S |
| Legal Section | 07 |
| Legal Subdivision | OCEAN REEF NO 1 AMD |
| Legal Block | 6 |
| Legal Lot Number | 8 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3084 |
| Census Tract | 972700 |
Source: Monroe County records, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 2031 LONG LAKE RD, SAINT PAUL, MN 55112-5166 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| May 16, 2023 | Warranty Deed, Transfer REECH TITLE COMPANY LLC, REEF TITLE COMPANY LLC |
| May 12, 2021 | Warranty Deed, Transfer REECH TITLE COMPANY LLC, REEF TITLE COMPANY LLC |
| Feb 24, 2020 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 16, 2023 · Amount on Record |
| Deed Sale | May 16, 2023 · Amount on Record |
| Prior Sale | May 12, 2021 · Amount on Record |
| Deed Document Number | 20232418011 |
| Deed Book / Page | 3225 / 1029 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 16, 2023 |
| Property Address | 20 EXUMA RD, KEY LARGO, FL 33037-5274 |
| Document Number | 0032251029 |
| Book / Page | 3225 / 1029 |
| Map Reference | MB 5 PG 72 |
| Instrument Date | May 16, 2023 |
| Instrument | 2418011 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2023 |
| Title Company | REECH TITLE COMPANY LLC, REEF TITLE COMPANY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $36,365.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8480 FOX CUB LN, CINCINNATI, OH 45243-1022 |
| Name | Verified Name |
|---|---|
| Address | 2031 LONG LAKE RD, NEW BRIGHTON, MN 55112-5166 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 12, 2021 |
| Property Address | 20 EXUMA RD, KEY LARGO, FL 33037-5274 |
| Document Number | 0030961778 |
| Book / Page | 3096 / 1778 |
| Map Reference | MB 5 PG 72 |
| Instrument Date | May 11, 2021 |
| Instrument | 2318993 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2021 |
| Title Company | REECH TITLE COMPANY LLC, REEF TITLE COMPANY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $25,200.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7 MENDOTA LN, 7, SEA RANCH LAKES, FL 33308-2316 |
| Name | Verified Name |
|---|---|
| Address | 8480 FOX CUB LN, CINCINNATI, OH 45243-1022 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Feb 24, 2020 |
| Property Address | 20 EXUMA RD, KEY LARGO, FL 33037-5274 |
| Document Number | 0030092279 |
| Book / Page | 003009 / 002279 |
| Instrument Date | Feb 21, 2020 |
| Instrument | 2256983 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2020 |
| Title Company | REEF TITLE COMPANY, REEF TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,765.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7 MENDOTA LN SEA RANCH LAKES FL 333082316, SEA RANCH LAKES, FL 33308-2316 |
| Document Number | 30092283 |
|---|---|
| Date | Feb 24, 2020 |
| Book Page | 003009/002283 |
| Instrument | 2256984 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 23, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.37% |
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 | $4,187,681 (+26.86%) Land $2,722,676 Building $1,465,005 | $4,187,681 (+26.86%) Land $2,722,676 Building $1,465,005 | |
| 2024 | $28,793.00 (+28.4%) | ||
| 2023 | $22,425.00 (+13.09%) | $3,300,940 (+13.3%) Land $2,208,964 Building $1,091,976 | $3,300,940 (+13.3%) Land $2,208,964 Building $1,091,976 |
| 2022 | $19,830.00 | $2,913,545 Land $1,900,736 Building $1,012,809 | $2,913,545 Land $1,900,736 Building $1,012,809 |
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 | 11.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 838 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 1,585 units insured incl. 747 condo units |
| Nearby Flood Claims | 78 (2005–2023) |
| Claims Outside the SFHA | 1 of 78 |
| 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 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 100 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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