Monroe County property record for 21 S Exuma Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,584 sqft · built 1998 |
| Lot Size | 0.192 acres (8,400 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $100 (Oct 1997) |
| Tax Bill | $10,480 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00540110-000000 |
| Primary APN | 00540110-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,584 sqft Living Area |
| 1st Floor Area | 1,584 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Other |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 8,400 sqft (0.192 acres) |
| Lot Dimensions | 120 ft deep x 70 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 1,536 sqft |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 762 sqft |
| Patio Area | 1,870 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1663603 |
|---|---|
| Old Parcel Number | 06614000540110000000 |
| Street Address | 21 S EXUMA RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 8 LT 7 OCEAN ISLE EST PB5-14 KEY LARGO OR263-13 OR743-16 OR774-1371 OR1260-453/54R/S OR1479-915 |
| Legal Range | 40E |
| Legal Township | 61S |
| Legal Section | 06 |
| Legal Subdivision | OCEAN ISLE ESTATE |
| Legal Block | 8 |
| Legal Lot Number | 7 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 972700 |
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.
21 S Exuma Rd is owned and occupied by two individuals who bought it in October 1997.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 21 S EXUMA RD, KEY LARGO, FL 33037-5006 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 8, 1997 · Amount on File |
| Deed Sale | Oct 8, 1997 · Amount on File |
| Prior Sale | Jun 8, 1993 · Amount on File |
| Deed Document Number | 0147900915 |
| Deed Book / Page | 01260 / 00453 |
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of July 1, 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 | $1,323,497 | $1,331,002 Land $998,844 Building $332,158 | |
| 2024 | $10,480.00 (+11.12%) | ||
| 2023 | $9,431.00 (+211.15%) | $1,095,454 (+221.48%) Land $768,936 Building $326,518 | $1,095,454 (+20.3%) Land $768,936 Building $326,518 |
| 2022 | $3,031.00 Homeowner's exemption | $340,757 | $910,620 Land $579,600 Building $331,020 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 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 |
|
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 risk around 21 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.
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 |
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