231 James Ave, Key Largo, FL 33037 Property Records

Monroe County property record for 231 James Ave, Key Largo, FL 33037

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 1,442 sqft · built 1968
Lot Size	0.083 acres (3,600 sqft)
Owner	Individual Name on Record
Last Sale	$72,000 (Sep 1999)
Tax Bill	$2,509 (2025)
Deeds & Mortgages	Jul 2026 Construction Loan
Flood Zone	Zone AE (high risk)
APN	`00463600-000000`

Property Details

APN / Parcel Number

Primary APN	`00463600-000000`
Alternative APNs	`21613900463600000000` `1567027`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,442 sqft Living Area
1st Floor Area	1,442 sqft
Flooring	Terrazzo
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2003
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Type	Flat
Roof Material	Metal
Lot Area	3,600 sqft (0.083 acres)
Lot Dimensions	80 ft deep x 45 ft wide

Exterior Amenities

Porch	Florida Room
Porch Area	442 sqft
Deck Area	242 sqft
Patio Area	242 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1567027
Street Address	231 JAMES AVE
City	KEY LARGO
State	FL
Zip	33037-2630
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	URM
Legal Description	KEY LARGO TRAILER VILLAGE FIRST ADDITION PB5-55 KEY LARGO LOT 10 BK 27 OR588-769 OR1598-2245DC OR1598-2246 OR1591-2129/35EST-PROB #99-20088-CP-10 OR1591-2253/55WILL OR1598-2253PR
Legal Range	39E
Legal Township	61S
Legal Section	21
Legal Subdivision	KEY LARGO TRAILER VILLAGE 1ST ADD
Legal Block	27
Legal Lot Number	10
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1017
Census Tract	970400

Owner

Source: Monroe County records, as of August 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 Record
Mailing Address	1520 SW DYER POINT RD, PALM CITY, FL 34990-1720
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 1999 · Amount on Record
Deed Sale	Sep 10, 1999 · Amount on Record
Prior Sale	Feb 1, 1974 · Amount on Record
Deed Book / Page	1598 / 2246
Last Transfer Date	May 2, 2025
Transfer Doc	0033250060
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Recording Date	Jul 6, 2026
Property Address	231 JAMES AVE, KEY LARGO, FL 33037-2630
Document Number	0002550292
Book / Page	3390 / 791
Instrument Date	Jun 30, 2026
Instrument	20262550292
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1520 SW DYER POINT RD, PALM CITY, FL 34990-1720

Mortgage

Document Number	0002550292,
Date	Jul 6, 2026
Book Page	3390/791
Instrument	20262550292

Lender

Name	SOUTH STATE BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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	$2,509.00 (-3.16%)	$303,897 (+6.28%) Land $238,500 Building $65,397	$303,897 (+6.28%) Land $238,500 Building $65,397
2024	$2,591.00 (+8.23%)
2023	$2,394.00 (+12.45%)	$285,953 (+21.35%) Land $225,000 Building $60,953	$285,953 (+21.35%) Land $225,000 Building $60,953
2022	$2,129.00	$235,652 Land $172,800 Building $62,852	$235,652 Land $172,800 Building $62,852

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 147 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	151 units insured incl. 4 condo units
Nearby Flood Claims	160 (1979–2022)
Claims Outside the SFHA	3 of 160
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 28 claims Hurricane Wilma, Oct 2005 · 75 claims Hurricane Irene, Oct 1999 · 14 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 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% 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 414 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20