228 Upper Matecumbe Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 228 Upper Matecumbe Rd, Key Largo, FL 33037

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 2,293 sqft · built 1975
Lot Size	0.138 acres (6,000 sqft)
Owner	Company Name on Record
Last Sale	$440,000 (Mar 2019)
Tax Bill	$5,621 (2024)
Deeds & Mortgages	Mar 2019 Sale
Flood Zone	Zone AE (high risk)
APN	`00534750-000000`

Property Details

APN / Parcel Number

Primary APN	`00534750-000000`
Alternative APNs	`31604000534750000000` `1658251`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,293 sqft Living Area
1st Floor Area	2,293 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1995
Architectural Style	Mobile Home
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
View / Lot	Canal
Garage Type	Covered
Garage Area	518 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	841 sqft
Deck Area	434 sqft
Patio Area	308 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1658251
Street Address	228 UPPER MATECUMBE RD
City	KEY LARGO
State	FL
Zip	33037-3038
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	URM
Legal Description	BK 4 LT 9 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR615-483 MARRIAGE CERT ON FILE OR790-1457 OR813-1403 OR846-2172 OR881-994 OR1284-2107/08 OR1284-2109 OR1408-1636 OR1619-805/0R/S OR2099-864/65 OR2641-2192 OR2955-0270
Legal Range	40E
Legal Township	60S
Legal Section	31
Legal Subdivision	LAKE SURPRISE ESTATES
Legal Block	4
Legal Lot Number	9
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2000
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

Source: Monroe County records, as of April 14, 2026

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	1920 SW 86TH AVE, MIAMI, FL 33155-1027
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2019 · Amount on Record
Deed Sale	Mar 26, 2019 · Amount on Record
Prior Sale	Jul 29, 2013 · Amount on Record
Deed Document Number	20192212257
Deed Book / Page	2955 / 270
Prior Transfer Date	Nov 30, 1993
Prior Transfer Doc	1284002107
Record Updated	Oct 29, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 26, 2019
Property Address	228 UPPER MATECUMBE RD, KEY LARGO, FL 33037-3038
Document Number	0029550270
Book / Page	002955 / 000270
Instrument Date	Mar 17, 2019
Instrument	2212257
Transaction Type	Transfer
Record Updated	May 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,080.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1920 SW 86TH AVE MIAMI FL 331551027, MIAMI, FL 33155-1027

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		$782,834 (+24.49%) Land $610,095 Building $172,739	$782,834 (+24.49%) Land $610,095 Building $172,739
2024	$5,621.00 (+13.58%)
2023	$4,949.00 (+20.44%)	$628,816 (+25.09%) Land $480,600 Building $148,216	$628,816 (+25.09%) Land $480,600 Building $148,216
2022	$4,109.00	$502,682 Land $400,500 Building $102,182	$502,682 Land $400,500 Building $102,182

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

Flood

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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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