249 Lance Ln, Key Largo, FL 33037 Property Records

Monroe County property record for 249 Lance Ln, Key Largo, FL 33037

Property Summary

Property Type	Mobile Home
Details	2 bd · 1 ba · 902 sqft · built 1980
Lot Size	0.137 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Aug 2018)
Tax Bill	$2,287 (2024)
Deeds & Mortgages	Aug 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00564147-003000`

Property Details

APN / Parcel Number

Primary APN	`00564147-003000`
Alternative APNs	`12613900564147003000` `1690481`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	902 sqft Living Area
1st Floor Area	552 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1985
Exterior Material	Metal
Construction Type	Wood
Foundation Type	Block
Roof Type	Flat
Roof Material	Metal
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	100 ft deep x 60 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	505 sqft
Deck Area	188 sqft
Patio Area	188 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	1690481
Old Parcel Number	12613900564147003000
Street Address	249 LANCE LN
City	KEY LARGO
State	FL
Zip	33037-4813
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	BK 11 LT 20 KEY LARGO MOBILE HOMESITES PLAT NO 4 PB6-15 OR626-762 OR626-761 OR673-155 OR755-51 OR770-1753 OR873-255
Legal Range	39E
Legal Township	61S
Legal Section	12
Legal Subdivision	KEY LARGO MOBILE HOMESITE PLAT #4
Legal Block	11
Legal Lot Number	20
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	249 LANCE LN, KEY LARGO, FL 33037-4813
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2018 · Amount on Record
Deed Sale	Aug 1, 2018 · Amount on Record
Prior Sale	Nov 3, 2006 · Amount on Record
Deed Document Number	2180678
Deed Book / Page	2920 / 0402
Record Updated	Jun 8, 2026

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 1, 2018
Property Address	249 LANCE LN, KEY LARGO, FL 33037-4813
Document Number	0029200402
Book / Page	002920 / 000402
Instrument Date	Aug 1, 2018
Instrument	2180678
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	CORAL REEF TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	249 LANCE LN KEY LARGO FL 330374813, KEY LARGO, FL 33037-4813

Mortgage

Document Number	29200403
Date	Aug 1, 2018
Book Page	002920/000403
Instrument	2180679

Lender

Name	CHRIS D & PAMELA SANTE
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	84 Months
Due	Jul 31, 2025

Interest

Rate	6%

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		$231,968 (+5.99%)	$308,949 (+7.95%) Land $277,500 Building $31,449
2024	$2,287.00 (+5.88%)
2023	$2,160.00 (+4.8%) Homeowner's exemption	$218,866 (+3%)	$286,188 (+34.68%) Land $258,000 Building $28,188
2022	$2,061.00 Homeowner's exemption	$212,492 Land $183,000 Building $29,492	$212,492 Land $183,000 Building $29,492

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

Nearby Properties on Lance Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures