20 S Exuma Rd, Key Largo, FL 33037 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 2,589 sqft · built 1958
Lot Size	0.193 acres (8,400 sqft)
Owner	Company Name on File
Last Sale	$350,000 (Jan 2002)
Tax Bill	$4,174 (2025)
Deeds & Mortgages	Nov 2022 Transfer
Flood Zone	Zone AE (high risk)
APN	`00539960-000000`

Property Details

APN / Parcel Number

Primary APN	`00539960-000000`
Alternative APNs	`06614000539960000000` `1663441`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,589 sqft Living Area
1st Floor Area	2,589 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	120 ft deep x 70 ft wide
View / Lot	Canal

Exterior Amenities

Pool Area	448 sqft
Porch	Slab
Porch Area	1,586 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1663441
Street Address	20 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 30 OCEAN ISLE EST PB5-14 KEY LARGO OR448-71-72 OR1574-1012 OR1753-27 OR3200-0481
Legal Range	40E
Legal Township	61S
Legal Section	06
Legal Subdivision	OCEAN ISLE ESTATE
Legal Block	7
Legal Lot Number	30
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1011
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 S Exuma Rd is owned by a company that acquired it in October 2022 and is owner-occupied.

Source: Monroe County records, as of May 4, 2026

Owner of Record	Company Name on File
Mailing Address	20 S EXUMA RD, KEY LARGO, FL 33037-5006
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

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	Jan 15, 2002 · Amount on File
Deed Sale	Jan 15, 2002 · Amount on File
Prior Sale	Apr 28, 1999 · Amount on File
Deed Book / Page	1753 / 27
Last Transfer Date	Oct 28, 2022
Transfer Doc	0032000481
Record Updated	Oct 29, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Nov 3, 2022
Property Address	20 S EXUMA RD, KEY LARGO, FL 33037-5006
Document Number	0032000481
Book / Page	3200 / 481
Map Reference	MB 5 PG 14
Instrument Date	Oct 28, 2022
Instrument	2396478
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 S EXUMA RD, 20, KEY LARGO, FL 33037-5006

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	20 S EXUMA RD, KEY LARGO, FL 33037-5006

Tax Assessment & Valuation

The 2025 property tax bill for 20 S Exuma Rd was $4,174 with exemptions applied, up 4.9% from the year before.

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	$4,174.00 (+4.87%) Homeowner's exemption Senior Citizen's exemption	$475,051	$1,237,468 Land $879,417 Building $358,051
2024	$3,980.00 (+0.28%)
2023	$3,969.00 (+5.73%) Homeowner's exemption	$448,217 (+3%)	$1,114,755 (+19.99%) Land $768,936 Building $345,819
2022	$3,754.00 Homeowner's exemption	$435,163	$929,076 Land $579,600 Building $349,476

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

Flood

FEMA maps place 20 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	Hurricane Irma, Sep 2017 · 28 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 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.

Internet Providers

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