28 S Exuma Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 28 S Exuma Rd, Key Largo, FL 33037

Property Summary

Property Type	Multi-Family Dwellings
Details	5 bd · 4 ba · 3,066 sqft · built 1987
Lot Size	0.192 acres (8,400 sqft)
Owner	Individual Name on Record
Last Sale	$825,000 (Jun 2018)
Tax Bill	$7,063 (2024)
Deeds & Mortgages	Jun 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00540000-000000`

Property Details

APN / Parcel Number

Primary APN	`00540000-000000`
Alternative APNs	`06614000540000000000` `1663484`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Units	2 Units
Stories	3 Stories
Building Area	3,066 sqft Total Area
1st Floor Area	3,066 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2005
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Pile
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	8,400 sqft (0.192 acres)
Lot Dimensions	120 ft deep x 70 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	1,713 sqft
Deck Area	175 sqft
Patio Area	975 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1663484
Old Parcel Number	06614000540000000000
Street Address	28 S EXUMA RD
City	KEY LARGO
State	FL
Zip	33037-5006
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	BK 7 LT 34 OCEAN ISLE EST PB5-14 KEY LARGO OR783-1500 OR786-1770/1771 OR802-524 OR823-1110-13 OR830-1726 OR833-2461
Legal Range	40E
Legal Township	61S
Legal Section	06
Legal Subdivision	OCEAN ISLE ESTATE
Legal Block	7
Legal Lot Number	34
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1011
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	28 S EXUMA RD, KEY LARGO, FL 33037-5006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2018 · Amount on Record
Deed Sale	Jun 29, 2018 · Amount on Record
Prior Sale	Jun 9, 1999 · Amount on Record
Deed Document Number	2176045
Deed Book / Page	2914 / 1648
Record Updated	Jun 8, 2026

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 29, 2018
Property Address	28 S EXUMA RD, KEY LARGO, FL 33037-5006
Document Number	0029141648
Book / Page	2914 / 1648
Map Reference	MB5 PG14
Instrument Date	Jun 21, 2018
Instrument	2176045
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	SUNSHINE TITLE OF THE KEYS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,775.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1200 S PINE ISLAND RD, 1200, PLANTATION, FL 33324-4413

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 S EXUMA RD, KEY LARGO, FL 33037-5006
Investor	Possibly a Property Investor

Mortgage

Document Number	0002176047
Date	Jun 29, 2018
Instrument	2176047

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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		$816,915 (+10.11%)	$1,258,823 (+13.22%) Land $620,172 Building $638,651
2024	$7,063.00 (+7.9%)
2023	$6,546.00 (+10.8%) Homeowner's exemption	$741,936 (+11.19%)	$1,111,838 (+16.38%) Land $473,340 Building $638,498
2022	$5,908.00 Homeowner's exemption	$667,264	$955,339 Land $378,672 Building $576,667

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 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	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 188 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
T-Mobile Fixed Wireless	100 / 20