Monroe County property record for 3 Exuma Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 7,086 sqft · built 2006 |
| Lot Size | 0.338 acres (14,700 sqft) |
| Owner | Company Name on File |
| Tax Bill | $21,980 (2025) |
| Deeds & Mortgages | May 2022 Reverse Mortgage Oct 2020 Reverse Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00570080-000000 |
| Primary APN | 00570080-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 7,086 sqft Living Area |
| Gross Area | 7,548 sqft |
| 1st Floor Area | 5,526 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plywood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Other |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 14,700 sqft (0.338 acres) |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Pool Area | 368 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 1,261 sqft |
| Patio Area | 40 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1703362 |
|---|---|
| Street Address | 3 EXUMA RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 9 PT LOT 2 OCEAN REEF PLAT #1 AMD PB5-72 KEY LARGO OR406-656 OR1355-836/37 OR1388-1845/47 OR1491-1024/25 OR1972-1511/13 OR2260-2428/29 OR2812-451/52 OR3048-1923 OR3048-1925 |
| Legal Range | 41E |
| Legal Township | 59S |
| Legal Section | 07 |
| Legal Subdivision | OCEAN REEF NO 1 AMD |
| Legal Block | 9 |
| Legal Lot Number | 2 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3054 |
| Census Tract | 972700 |
Source: Monroe County records · APN 00570080-000000
Assessment roll updated December 8, 2025 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 3 EXUMA RD, KEY LARGO, FL 33037-5215 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| May 03, 2022 | Deed of Trust, Mortgage · Reverse Mortgage NATIONWIDE EQUITIES CORPORATION |
| Oct 06, 2020 | Intrafamily Transfer, Transfer · Reverse Mortgage NATIONWIDE EQUITIES CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 06, 2020 |
| Deed Sale | Oct 06, 2020 |
| Prior Sale | Feb 05, 2004 · Amount on Record |
| Deed Document Number | 20202284993 |
| Deed Book / Page | 3048 / 1925 |
| Prior Transfer Date | Sep 29, 2020 |
| Prior Transfer Doc | 0030481925 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 3 EXUMA RD, KEY LARGO, FL 33037-5215 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3 EXUMA RD, KEY LARGO, FL 33037-5215 |
| Document Number | 0031711277 |
|---|---|
| Date | May 03, 2022 |
| Book Page | 3171/1277 |
| Instrument | 2373792 |
| Name | NATIONWIDE EQUITIES CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Address | MAHWAH, NJ 07495 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 829 Months |
| Due | Jun 14, 2091 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Oct 06, 2020 |
| Property Address | 3 EXUMA RD, KEY LARGO, FL 33037-5215 |
| Document Number | 0030481925 |
| Book / Page | 3048 / 1925 |
| Map Reference | MB 5 PG 72 |
| Instrument Date | Sep 29, 2020 |
| Instrument | 2284993 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3 EXUMA RD, 3, KEY LARGO, FL 33037-5215 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 3 EXUMA RD, KEY LARGO, FL 33037-5215 |
| Document Number | 0030481929 |
|---|---|
| Date | Oct 06, 2020 |
| Instrument | 3048/1929 |
| Name | NATIONWIDE EQUITIES CORP |
|---|---|
| Type | Non-Lending Institution |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 848 Months |
| Due | Jun 14, 2091 |
| Rate Type | Fixed Rate |
|---|
Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $21,980.00 (+3.71%) Homeowner's exemption | $3,217,730 (+5.99%) | $10,673,654 (+9.86%) Land $7,191,975 Building $3,481,679 |
| 2024 | $21,193.00 (+2.19%) | ||
| 2023 | $20,738.00 (+4.75%) Homeowner's exemption | $3,035,967 (+3%) | $9,715,832 (+27%) Land $5,980,695 Building $3,735,137 |
| 2022 | $19,797.00 Homeowner's exemption | $2,947,541 | $7,650,373 Land $4,163,775 Building $3,486,598 |
Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879727003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 838 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 1,585 units insured incl. 747 condo units |
| Nearby Flood Claims | 78 (2005–2023) |
| Claims Outside the SFHA | 1 of 78 |
| Most Recent Claim | Nov 2023 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 100 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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