Monroe County property record for 229 Upper Matecumbe Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,184 sqft · built 2024 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,900,000 (May 2026) |
| Tax Bill | $13,823 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00534850-000000 |
| Primary APN | 00534850-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 3,184 sqft Living Area |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Material | Concrete |
| 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 | 1,602 sqft |
| Porch | Open Porch |
| Patio Area | 1,877 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 1658359 |
|---|---|
| Street Address | 229 UPPER MATECUMBE RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URM |
| Legal Description | BK 4 LT 19 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR179-99 OR372-209 OR894-472 OR896-900-C OR3156-1101 |
| Legal Range | 40E |
| Legal Township | 60S |
| Legal Section | 31 |
| Legal Subdivision | LAKE SURPRISE ESTATES |
| Legal Block | 4 |
| Legal Lot Number | 19 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2000 |
| 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.
229 Upper Matecumbe Rd is owned by an individual who bought it in May 2026.
Source: Monroe County records, as of June 4, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3455 SW 142ND CT, MIAMI, FL 33175-7421 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage KIND LENDING LLC |
| May 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage KIND LENDING LLC |
| May 26, 2026 | Correction Deed GROVE TITLE |
| Feb 22, 2022 | Warranty Deed, Transfer UNKNOWN, THE GROVE TITLE & TRUST PLLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 2026 · Amount on File |
| Deed Sale | May 26, 2026 · Amount on File |
| Prior Sale | Feb 22, 2022 · Amount on File |
| Deed Document Number | 20262544728 |
| Deed Book / Page | 3382 / 1275 |
| Prior Transfer Date | Oct 30, 2025 |
| Prior Transfer Doc | 0002544726 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 26, 2026 |
| Property Address | 229 UPPER MATECUMBE RD, KEY LARGO, FL 33037 |
| Document Number | 0002544728 |
| Book / Page | 3382 / 1275 |
| Instrument Date | May 22, 2026 |
| Instrument | 20262544728 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2026 |
| Title Company | CORAL REEF TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,343,300.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3455 SW 142ND CT, MIAMI, FL 33175-7421 |
| Document Number | 0002544729, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 20262544729 |
| Name | KIND LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 26, 2026 |
| Property Address | 229 UPPER MATECUMBE RD, KEY LARGO, FL 33037 |
| Document Number | 0033821275 |
| Book / Page | 3382 / 1275 |
| Instrument Date | May 22, 2026 |
| Instrument | 20262544728 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | CORAL REEF TITLE COMPANY, CORAL REEF TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,343,300.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3455 SW 142ND CT, MIAMI, FL 33175-7421 |
| Document Number | 0002544729, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 20262544729 |
| Name | KIND LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 26, 2026 |
| Property Address | 229 UPPER MATECUMBE RD, KEY LARGO, FL 33037 |
| Document Number | 0002544726 |
| Book / Page | 3382 / 1269 |
| Instrument Date | Oct 30, 2025 |
| Instrument | 20262544726 |
| Record Updated | Aug 29, 2026 |
| Title Company | GROVE TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Feb 22, 2022 |
| Property Address | 229 UPPER MATECUMBE RD, KEY LARGO, FL 33037 |
| Document Number | 0031561101 |
| Book / Page | 3156 / 1101 |
| Map Reference | MB 1 PG 68 |
| Instrument Date | Feb 17, 2022 |
| Instrument | 2362528 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2025 |
| Title Company | UNKNOWN, THE GROVE TITLE & TRUST PLLC |
| Amount | Amount on Record |
|---|---|
| Tax | $4,795.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7700 N KENDALL DR STE 405, 405, MIAMI, FL 33156-7565 |
The 2025 property tax bill for 229 Upper Matecumbe Rd was $13,823, up 175.4% from the year before.
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 | $13,823.00 (+175.41%) | $1,716,640 Land $619,440 Building $1,097,200 | $1,716,640 Land $619,440 Building $1,097,200 |
| 2024 | $5,019.00 (+14.9%) | ||
| 2023 | $4,368.00 (+163.61%) | $515,121 (+120.9%) Land $480,600 Building $34,521 | $515,121 (+120.9%) Land $480,600 Building $34,521 |
| 2022 | $1,657.00 | $233,192 Land $232,290 Building $902 | $233,192 Land $232,290 Building $902 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 229 Upper Matecumbe 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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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 |
|
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 229 Upper Matecumbe Rd is low, with a 0.02% annual chance of 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.
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 |
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