Monroe County property record for 21 Exuma Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 4,977 sqft · built 1997 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | Company Name on Record |
| Last Sale | $10,500,000 (Sep 2022) |
| Tax Bill | $62,978 (2023) |
| Deeds & Mortgages | Sep 2022 Sale Oct 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00570250-000000 |
| Primary APN | 00570250-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 2 Stories |
| Building Area | 4,977 sqft Living Area |
| Gross Area | 6,699 sqft |
| 1st Floor Area | 3,151 sqft |
| Attic | Attic |
| Attic Area | 563 sqft |
| Flooring | Marble |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Other |
| Construction Type | Concrete |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 15,000 sqft (0.344 acres) |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 1,722 sqft |
| Pool Area | 322 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 2,495 sqft |
| Patio Area | 1,770 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1703532 |
|---|---|
| Street Address | 21 EXUMA RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 9 LT 11 OCEAN REEF PLAT 1 AMD KEY LARGO PB5-72 OR613-785 OR730-538 OR2678-1620 OR2678-1625 OR3052-1129 OR3193-1498 OR3287-0832 |
| Legal Range | 41E |
| Legal Township | 59S |
| Legal Section | 07 |
| Legal Subdivision | OCEAN REEF NO 1 AMD |
| Legal Block | 9 |
| Legal Lot Number | 11 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3054 |
| Census Tract | 972700 |
Source: Monroe County records, as of December 8, 2025
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 | 2504 W MAIN ST, RAPID CITY, SD 57702-2424 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Sep 9, 2022 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Oct 23, 2020 | Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 9, 2022 · Amount on Record |
| Deed Sale | Sep 9, 2022 · Amount on Record |
| Prior Sale | Oct 23, 2020 · Amount on Record |
| Deed Document Number | 20222390926 |
| Deed Book / Page | 3193 / 1498 |
| Last Transfer Date | Aug 2, 2024 |
| Transfer Doc | 0032870832 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 9, 2022 |
| Property Address | 21 EXUMA RD, KEY LARGO, FL 33037-5215 |
| Document Number | 0031931498 |
| Book / Page | 3193 / 1498 |
| Map Reference | MB 5 PG 72 |
| Instrument Date | Aug 31, 2022 |
| Instrument | 2390926 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $73,500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3724 NATIONAL DR # 215, 3724, RALEIGH, NC 27612-4070 |
| Name | Verified Name |
|---|---|
| Address | 21 EXUMA RD, KEY LARGO, FL 33037-5215 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Oct 23, 2020 |
| Property Address | 21 EXUMA RD, KEY LARGO, FL 33037-5215 |
| Document Number | 0030521129 |
| Book / Page | 3052 / 1129 |
| Map Reference | MB 5 PG 72 |
| Instrument Date | Oct 23, 2020 |
| Instrument | 2287794 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $37,555.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6730 SW 88TH TER, 6730, PINECREST, FL 33156-1728 |
| Name | Verified Name |
|---|---|
| Address | 3724 NATIONAL DR STE 220, 220, RALEIGH, NC 27612-4873 |
| Document Number | 0030521133 |
|---|---|
| Date | Oct 23, 2020 |
| Instrument | 3052/1133 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Type Change Date | Nov 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 8.12% |
| Index | 1-Year LIBOR |
| Max Rate | 8.12% |
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 | $10,670,704 (+15.51%) Land $8,072,625 Building $2,598,079 | $10,670,704 (+15.51%) Land $8,072,625 Building $2,598,079 | |
| 2023 | $62,978.00 (+74.86%) | $9,237,915 (+56.07%) Land $6,713,025 Building $2,524,890 | $9,237,915 (+56.07%) Land $6,713,025 Building $2,524,890 |
| 2022 | $36,016.00 | $5,919,118 Land $4,673,625 Building $1,245,493 | $5,919,118 Land $4,673,625 Building $1,245,493 |
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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