21 Mockingbird Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 21 Mockingbird Rd, Key Largo, FL 33037 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,800 sqft · built 2006
Lot Size	0.1 acres (4,336 sqft)
Owner	2 Individual Names on File
Last Sale	$705,000 (Apr 2023)
Tax Bill	$5,615 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Apr 2023 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00532701-039400`

Property Details

APN / Parcel Number

Primary APN	`00532701-039400`
Alternative APNs	`01613900532701039400` `1655813`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,800 sqft Living Area
1st Floor Area	1,800 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2012
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	4,336 sqft (0.1 acres)
Porch	Unfinished Open Porch
Porch Area	696 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	1655813
Street Address	21 MOCKINGBIRD RD
City	KEY LARGO
State	FL
Zip	33037-3016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 14 LT 5 SEXTON COVE ESTATES - RESUBDIVISION KEY LARGOPB6-30 OR700-507 OR832-670 OR851-706 OR1274-790/791F/J OR1294-2066/67 OR2154-2000 OR2194-2055/56 OR2454-140 OR3218-2431 OR3220-1063
Legal Range	39E
Legal Township	61S
Legal Section	01
Legal Subdivision	SEXTON COVES ESTATES
Legal Block	14
Legal Lot Number	5
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2009
Census Tract	972700

Owner

Source: Monroe County records · APN 00532701-039400

Assessment roll updated December 8, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	14700 SAILFISH DR, CORAL GABLES, FL 33158-1808
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2022	Deed of Trust, Mortgage · FHA Mortgage NP INC
Apr 05, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP
Apr 13, 2023	Re-recorded Document ATTORNEY ONLY, ATTORNEY
Jun 13, 2018	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 13, 2023 · Amount on Record
Deed Sale	Apr 13, 2023 · Amount on Record
Prior Sale	Apr 05, 2023 · Amount on Record
Deed Document Number	20232413863
Deed Book / Page	3220 / 1063
Prior Transfer Date	Mar 31, 2023
Prior Transfer Doc	0032201063
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	21 MOCKINGBIRD RD, KEY LARGO, FL 33037-3016
Transaction Type	Mortgage
Record Updated	Jun 06, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 MOCKINGBIRD RD, KEY LARGO, FL 33037-3016

Mortgage

Document Number	0031611877
Date	Mar 17, 2022
Book Page	3161/1877
Instrument	2366310

Lender

Name	NP INC
Type	Mortgage Company
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 01, 2052

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 05, 2023
Property Address	21 MOCKINGBIRD RD, KEY LARGO, FL 33037-3016
Document Number	0032182431
Book / Page	3218 / 2431
Map Reference	MB 6 PG 30
Instrument Date	Mar 31, 2023
Instrument	2412798
Transaction Type	Transfer
Record Updated	Apr 26, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,935.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21 MOCKINGBIRD RD, KEY LARGO, FL 33037-3016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14700 SAILFISH DR, CORAL GABLES, FL 33158-1808

Mortgage

Document Number	0032182433
Date	Apr 05, 2023
Instrument	3218/2433

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2053

April 2023: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	MONROE FL
Recording Date	Apr 13, 2023
Property Address	21 MOCKINGBIRD RD, KEY LARGO, FL 33037-3016
Document Number	0032201063
Book / Page	3220 / 1063
Map Reference	MB 6 PG 30
Instrument Date	Mar 31, 2023
Instrument	2413863
Record Updated	Jun 06, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21 MOCKINGBIRD RD, KEY LARGO, FL 33037-3016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14700 SAILFISH DR, CORAL GABLES, FL 33158-1808

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	21 MOCKINGBIRD RD, KEY LARGO, FL 33037-3016
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029111059
Date	Jun 13, 2018
Book Page	2911/1059
Instrument	2173255

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2048

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,615.00 (+0.9%)	$593,264 (+146.01%) Land $211,900 Building $381,364	$593,264 (+0.38%) Land $211,900 Building $381,364
2024	$5,565.00 (+139.25%)
2023	$2,326.00 (+5.01%) Homeowner's exemption	$241,152 (+3%)	$591,019 (+3.31%) Land $214,502 Building $376,517
2022	$2,215.00 Homeowner's exemption	$234,129	$572,058 Land $165,852 Building $406,206

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879727002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 433 individual NFIP policies nearby
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	660 units insured 227 under condo master policies
Nearby Flood Claims	80 (1999–2024)
Claims Outside the SFHA	1 of 80
Most Recent Claim	Oct 2024, rainfall accumulation, Hurricane Milton
Claims By Storm	Hurricane Ian, Sep 2022 · 11 claims Hurricane Irma, Sep 2017 · 33 claims Hurricane Wilma, Oct 2005 · 13 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 228 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
AT&T	DSL	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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