239 Lance Ln, Key Largo, FL 33037 Property Records

Monroe County property record for 239 Lance Ln, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 960 sqft · built 2005
Lot Size	0.137 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$342,000 (Jun 2020)
Tax Bill	$4,208 (2024)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00564147-003100`

Property Details

APN / Parcel Number

Primary APN	`00564147-003100`
Alternative APNs	`12613900564147003100` `1690490`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2015
Exterior Material	Other
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

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Finished/Screened Porch
Porch Area	240 sqft
Patio Area	50 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1690490
Old Parcel Number	12613900564147003100
Street Address	239 LANCE LN
City	KEY LARGO
State	FL
Zip	33037-4813
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 11 LT 21 KEY LARGO MOBILE HOMESITES PLAT NO 4 PB6-15 OR458-316 OR733-123 OR820-1523 OR823-2321/22 OR825-977C OR952-1505
Legal Range	39E
Legal Township	61S
Legal Section	12
Legal Subdivision	KEY LARGO MOBILE HOMESITE PLAT #4
Legal Block	11
Legal Lot Number	21
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1028
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 December 5, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3126 SW 143RD CT, MIAMI, FL 33175-6617
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2020 · Amount on Record
Deed Sale	Jun 19, 2020 · Amount on Record
Prior Sale	May 22, 2014 · Amount on Record
Deed Document Number	2270116
Deed Book / Page	3027 / 1931
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 19, 2020
Property Address	239 LANCE LN, KEY LARGO, FL 33037-4813
Document Number	0030271931
Book / Page	003027 / 001931
Instrument Date	Jun 19, 2020
Instrument	2270116
Transaction Type	Transfer
Record Updated	Jul 30, 2020
Title Company	BOUTIQUE TITLE PARTNERS LLC, BOUTIQUE TITLE PTRS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,394.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3126 SW 143RD CT MIAMI FL 331756617, MIAMI, FL 33175-6617

Mortgage

Document Number	30271933
Date	Jun 19, 2020
Book Page	003027/001933
Instrument	2270117

Lender

Name	FIRST ST BK/FL KEYS
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2050

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$529,142 (+12.45%) Land $277,500 Building $251,642	$529,142 (+12.45%) Land $277,500 Building $251,642
2024	$4,208.00 (+9.19%)
2023	$3,854.00 (+13.42%)	$470,577 (+18.19%) Land $258,000 Building $212,577	$470,577 (+18.19%) Land $258,000 Building $212,577
2022	$3,398.00	$398,155 Land $183,000 Building $215,155	$398,155 Land $183,000 Building $215,155

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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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	Hurricane Irma, Sep 2017 · 28 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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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 177 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	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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