281 Lance Ln, Key Largo, FL 33037 Property Records

Monroe County property record for 281 Lance Ln, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,328 sqft · built 2020
Lot Size	0.153 acres (6,660 sqft)
Owner	Individual Name on Record
Last Sale	$186,000 (Jun 2013)
Tax Bill	$5,720 (2024)
Deeds & Mortgages	Jun 2019 Construction Loan Oct 2020 Loan Modification
Flood Zone	Zone AE (high risk)
APN	`00564147-004900`

Property Details

APN / Parcel Number

Primary APN	`00564147-004900`
Alternative APNs	`12613900564147004900` `1690686`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,328 sqft Living Area
1st Floor Area	672 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Mobile Home
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,660 sqft (0.153 acres)
Lot Dimensions	111 ft deep x 60 ft wide
View / Lot	Canal
Garage Type	Covered
Garage Area	1,756 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	20 sqft
Deck Area	168 sqft
Patio Area	24 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1690686
Street Address	281 LANCE LN
City	KEY LARGO
State	FL
Zip	33037-4841
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URM
Legal Description	BK 12 LT 15 KEY LARGO MOBILE HOMESITES PLAT NO 4 PB6-15 OR710-183 OR2319-1258 OR2328-846/47C OR2465-1853 OR2465-1854 OR2465-1855 OR2633-536/37ORD OR2633-538/39
Legal Range	39E
Legal Township	61S
Legal Section	12
Legal Subdivision	KEY LARGO MOBILE HOMESITE PLAT #4
Legal Block	12
Legal Lot Number	15
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1015
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 8, 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	281 LANCE LN, KEY LARGO, FL 33037-4841
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2019	Deed of Trust, Mortgage · Construction Mortgage CAPITAL BANK
Oct 22, 2020	Loan Modification, Mortgage FIRST HORIZON BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2013 · Amount on Record
Deed Sale	Jun 11, 2013 · Amount on Record
Prior Sale	Jun 24, 2009 · Amount on Record
Deed Document Number	20131936603
Deed Book / Page	2633 / 538
Prior Transfer Date	Oct 23, 2007
Prior Transfer Doc	0023280847
Record Updated	Jun 8, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	281 LANCE LN, KEY LARGO, FL 33037-4841
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029712360
Date	Jun 26, 2019
Book Page	2971/2360
Instrument	2226219

Lender

Name	CAPITAL BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2023
Change Frequency	Annually
Min Rate At Change	2.12%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	281 LANCE LN, KEY LARGO, FL 33037-4841
Document Number	0030521611
Instrument Date	Oct 22, 2020
Transaction Type	Mortgage
Record Updated	Nov 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	281 LANCE LN KEY LARGO FL 330374841, KEY LARGO, FL 33037-4841

Mortgage

Document Number	0030521611
Date	Oct 26, 2020
Book Page	003052/001611
Instrument	2287915

Lender

Name	FIRST HORIZON BK
Type	Bank
Address	FORT MYERS, FL 33966

Agreement

Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	3%

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		$680,112 (+5.99%)	$1,195,536 (+32.81%) Land $682,384 Building $513,152
2024	$5,720.00 (+3.7%)
2023	$5,516.00 (+6.02%) Homeowner's exemption	$641,695 (+3%)	$900,205 (+3.43%) Land $457,009 Building $443,196
2022	$5,203.00 Homeowner's exemption	$623,005	$870,385 Land $425,707 Building $444,678

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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