20 Osprey Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 20 Osprey Rd, Key Largo, FL 33037

Property Summary

Property Type	Mobile Home
Details	2 bd · 3 ba · 1,467 sqft · built 1983
Lot Size	0.083 acres (3,600 sqft)
Owner	Individual Name on File
Tax Bill	$1,632 (2024)
Deeds & Mortgages	Feb 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00532701-014400`

Property Details

APN / Parcel Number

Primary APN	`00532701-014400`
Alternative APN	`1653322`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	1,467 sqft Living Area
1st Floor Area	1,467 sqft
Flooring	Terrazzo
Interior Walls	Masonry

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1999
Architectural Style	Mobile Home
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,600 sqft (0.083 acres)
Lot Dimensions	80 ft deep x 45 ft wide
View / Lot	Canal
Garage Type	Carport
Carport	Carport
Patio Area	114 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	1653322
Street Address	20 OSPREY RD
City	KEY LARGO
State	FL
Zip	33037-3048
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	URM
Legal Description	BK 5 LT 20 SEXTON COVE ESTATES RESUBDIVISION KEY LARGO PB6-30 OR58-39 OR865-365 OR1630-2132 OR1877-1580/81 OR2281-871/875F/J OR2304-1259 OR2428-2341/42C/T OR2443-2098
Legal Range	39E
Legal Township	61S
Legal Section	01
Legal Subdivision	SEXTON COVES ESTATES
Legal Block	5
Legal Lot Number	20
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2004
Census Tract	972700

Historic Designation

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.

Owner

20 Osprey Rd, a mobile home, is owned and occupied by an individual who acquired it in August 2009.

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

Owner of Record	Individual Name on File
Mailing Address	20 OSPREY RD, KEY LARGO, FL 33037-3048
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2009
Deed Sale	Aug 26, 2009
Prior Sale	Aug 4, 2009
Deed Document Number	20091756572
Deed Book / Page	2428 / 2341
Record Updated	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	20 OSPREY RD, KEY LARGO, FL 33037-3048
Document Number	0028901252
Instrument Date	Feb 1, 2018
Transaction Type	Mortgage
Record Updated	Aug 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 OSPREY RD KEY LARGO FL 330373048, KEY LARGO, FL 33037-3048

Mortgage

Document Number	0028901252
Date	Feb 6, 2018
Book Page	002890/001252
Instrument	2154096

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	PO BOX 373006, KEY LARGO, FL 33037-8006

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 5, 2019

Interest

Rate	10%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$167,426	$505,413 Land $416,030 Building $89,383
2024	$1,632.00 (+7.79%)
2023	$1,514.00 (+3.98%) Senior Citizen's exemption	$157,969 (+3%)	$376,479 (+14.08%) Land $291,924 Building $84,555
2022	$1,456.00 Senior Citizen's exemption	$153,368	$330,023 Land $243,270 Building $86,753

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

Flood

FEMA maps place 20 Osprey 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	10.0 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	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 20 Osprey Rd is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None 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

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