Monroe County property record for 232 Upper Matecumbe Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,150 sqft · built 1987 |
| Lot Size | 0.137 acres (6,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $825,000 (Mar 2021) |
| Tax Bill | $8,218 (2024) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Aug 2018 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00534740-000000 |
| Primary APN | 00534740-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,150 sqft Living Area |
| 1st Floor Area | 1,150 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Other |
| Construction Type | Wood |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,000 sqft (0.137 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 922 sqft |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 1,319 sqft |
| Deck Area | 280 sqft |
| Patio Area | 280 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1658243 |
|---|---|
| Old Parcel Number | 31604000534740000000 |
| Street Address | 232 UPPER MATECUMBE RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3038 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 4 LT 8 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR614-371 OR2709-1586/87 OR3079-0899 |
| Legal Range | 40E |
| Legal Township | 60S |
| Legal Section | 31 |
| Legal Subdivision | LAKE SURPRISE ESTATES |
| Legal Block | 4 |
| Legal Lot Number | 8 |
| 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.
Source: Monroe County records, as of December 5, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 232 UPPER MATECUMBE RD, KEY LARGO, FL 33037-3038 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 4, 2021 | Warranty Deed, Transfer · Conventional Mortgage TRUST MORTGAGE LENDING CORP |
| Aug 20, 2018 | Deed of Trust, Mortgage · Balloon Mortgage THE WALTER AND MARIA SMITH FAMILY TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 4, 2021 · Amount on Record |
| Deed Sale | Mar 4, 2021 · Amount on Record |
| Prior Sale | Oct 28, 2014 · Amount on Record |
| Deed Document Number | 2306725 |
| Deed Book / Page | 3079 / 899 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 4, 2021 |
| Property Address | 232 UPPER MATECUMBE RD, KEY LARGO, FL 33037-3038 |
| Document Number | 0030790899 |
| Book / Page | 3079 / 899 |
| Map Reference | MB 4 PG 162 |
| Instrument Date | Feb 25, 2021 |
| Instrument | 2306725 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | ICON TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,775.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2391 SW 10TH AVE, 2391, BOYNTON BEACH, FL 33426-5315 |
| Name | Verified Name |
|---|---|
| Address | 232 UPPER MATECUMBE RD, KEY LARGO, FL 33037-3038 |
| Document Number | 0003079901 |
|---|---|
| Date | Mar 4, 2021 |
| Instrument | 3079/901 |
| Name | TRUST MORTGAGE LENDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 232 UPPER MATECUMBE RD, KEY LARGO, FL 33037-3038 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0029222060 |
|---|---|
| Date | Aug 20, 2018 |
| Book Page | 2922/2060 |
| Instrument | 2183051 |
| Name | THE WALTER AND MARIA SMITH FAMILY TRUST |
|---|---|
| Type | Non-Lending Institution |
| Address | MIAMI, FL 33134 |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $955,648 (+14.56%) Land $610,095 Building $345,553 | $955,648 (+14.56%) Land $610,095 Building $345,553 | |
| 2024 | $8,218.00 (+11.7%) | ||
| 2023 | $7,357.00 (+12.22%) | $834,160 (+9.6%) Land $480,600 Building $353,560 | $834,160 (+9.6%) Land $480,600 Building $353,560 |
| 2022 | $6,556.00 | $761,078 Land $400,500 Building $360,578 | $761,078 Land $400,500 Building $360,578 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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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