289 Lance Ln, Key Largo, FL 33037 Property Records

Monroe County property record for 289 Lance Ln, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,689 sqft · built 2017
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Oct 2017)
Tax Bill	$5,195 (2024)
Deeds & Mortgages	Oct 2017 Sale Sep 2017 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00564147-002600`

Property Details

APN / Parcel Number

Primary APN	`00564147-002600`
Alternative APNs	`12613900564147002600` `1690449`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,689 sqft Living Area
1st Floor Area	1,689 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Porch	Open Porch
Porch Area	148 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1690449
Street Address	289 LANCE LN
City	KEY LARGO
State	FL
Zip	33037-4813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URM
Legal Description	BK 11 LT 16 KEY LARGO MOBILE HOMESITES PLAT NO 4 PB6-15 OR778-1543/44 OR886-1365AFF OR886-1366 OR2128-720/21 OR2128-722D/C OR2122-599 OR2328-747 OR2829-363/64 OR2873-366/67 OR2876-2177/78C
Legal Range	39E
Legal Township	61S
Legal Section	12
Legal Subdivision	KEY LARGO MOBILE HOMESITE PLAT #4
Legal Block	11
Legal Lot Number	16
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

289 Lance Ln is owned and occupied by two individuals who bought it in October 2017.

Source: Monroe County records, as of December 8, 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	2 Individual Names on File
Mailing Address	289 LANCE LN, KEY LARGO, FL 33037-4813
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2017	Grant Deed, Transfer ATTORNEY ONLY
Sep 29, 2017	Deed of Trust, Mortgage UNITED WHOLESALE MTG
Oct 2, 2017	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2017 · Amount on File
Deed Sale	Oct 2, 2017 · Amount on File
Prior Sale	Oct 26, 2007 · Amount on File
Deed Document Number	20172138400
Deed Book / Page	2873 / 366
Prior Transfer Date	Dec 5, 2016
Prior Transfer Doc	0028290363
Record Updated	Jun 8, 2026

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE FL
Recording Date	Oct 27, 2017
Property Address	289 LANCE LN, KEY LARGO, FL 33037-4813
Document Number	0028762177
Book / Page	002876 / 002177
Instrument Date	Oct 26, 2017
Instrument	2141438
Transaction Type	Transfer
Record Updated	Nov 23, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	289 LANCE LN KEY LARGO FL 330374813, KEY LARGO, FL 33037-4813

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	289 LANCE LN, KEY LARGO, FL 33037-4813
Document Number	0028762179
Instrument Date	Sep 29, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	306 LANCE LN KEY LARGO FL 330374814, KEY LARGO, FL 33037-4814

Mortgage

Document Number	0028762179
Date	Oct 27, 2017
Book Page	002876/002179
Instrument	2141439

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 26, 2047

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 2, 2017
Property Address	289 LANCE LN, KEY LARGO, FL 33037-4813
Document Number	0028730366
Book / Page	2873 / 0366
Map Reference	MB6 PG15
Instrument Date	Sep 29, 2017
Instrument	2138400
Transaction Type	Transfer
Record Updated	Dec 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,870.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	289 LANCE LN, KEY LARGO, FL 33037-4813
Investor	Possibly a Property Investor

Mortgage

Document Number	0002138401
Date	Oct 2, 2017
Instrument	2138401

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

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		$646,042 Land $277,500 Building $368,542	$646,042 Land $277,500 Building $368,542
2024	$5,195.00 (+8.7%)
2023	$4,779.00 (+12.42%)	$600,643 (+13.38%) Land $258,000 Building $342,643	$600,643 (+13.38%) Land $258,000 Building $342,643
2022	$4,251.00	$529,759 Land $183,000 Building $346,759	$529,759 Land $183,000 Building $346,759

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 289 Lance Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 289 Lance Ln is low, with a 0.05% annual chance of 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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