Monroe County property record for 3 S Exuma Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,067 sqft · built 2014 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $405,000 (Jul 2012) |
| Tax Bill | $7,512 (2024) |
| Deeds & Mortgages | Sep 2022 Transfer Jun 2017 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 00540200-000000 |
| Primary APN | 00540200-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 3,067 sqft Living Area |
| Gross Area | 3,492 sqft |
| 1st Floor Area | 3,382 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,000 sqft (0.23 acres) |
| Lot Dimensions | 100 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 425 sqft |
| Porch | Florida Room |
| Porch Area | 1,133 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1663697 |
|---|---|
| Street Address | 3 S EXUMA RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 8 LT 16 OCEAN ISLE EST PB5-14 KEY LARGO OR489-335-336 OR561-836 OR650-750 OR722-337 OR876-1431 OR989-426R/S OR1127-1180 OR1179-2034 OR1187-1819 OR2502-2332/33D/C OR2529-489/91T/C OR2544-2390/91 OR2580-751/72R/S OR3193-0208 |
| Legal Range | 40E |
| Legal Township | 61S |
| Legal Section | 06 |
| Legal Subdivision | OCEAN ISLE ESTATE |
| Legal Block | 8 |
| Legal Lot Number | 16 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 972700 |
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.
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 Record |
|---|---|
| Mailing Address | 520 NW 9TH AVE, HOMESTEAD, FL 33030-5796 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 7, 2022 | Intrafamily Transfer, Transfer TITLE COMPANY OF JERSEY, THE, TITLE COMPANY OF HOMESTEAD |
| Jun 14, 2017 | Deed of Trust, Mortgage · Line of Credit CENTERSTATE BK/FL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 18, 2012 · Amount on Record |
| Deed Sale | Jul 18, 2012 · Amount on Record |
| Prior Sale | Aug 5, 2011 |
| Deed Document Number | 20121891809 |
| Deed Book / Page | 2580 / 751 |
| Last Transfer Date | Aug 30, 2022 |
| Transfer Doc | 0031930208 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 7, 2022 |
| Property Address | 3 S EXUMA RD, KEY LARGO, FL 33037-5006 |
| Document Number | 0031930208 |
| Book / Page | 3193 / 208 |
| Map Reference | MB 5 PG 14 |
| Instrument Date | Aug 30, 2022 |
| Instrument | 2390497 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2022 |
| Title Company | TITLE COMPANY OF JERSEY, THE, TITLE COMPANY OF HOMESTEAD |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 520 NW 9TH AVE, HOMESTEAD, FL 33030-5796 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 3 S EXUMA RD, KEY LARGO, FL 33037-5006 |
| Document Number | 0028611348 |
| Book / Page | 002861 / 001348 |
| Instrument Date | Jun 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3 S EXUMA RD KEY LARGO FL 330375006, KEY LARGO, FL 33037-5006 |
| Document Number | 0028611348 |
|---|---|
| Date | Jun 27, 2017 |
| Book Page | 002861/001348 |
| Instrument | 2128817 |
| Name | CENTERSTATE BK/FL |
|---|---|
| Type | Bank |
| Address | HOMESTEAD, FL 33030 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 26, 2027 |
| Rate Type | Adjustable Rate |
|---|
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $915,411 (-10.2%) | $1,411,547 (+20.12%) Land $724,175 Building $687,372 | |
| 2024 | $7,512.00 (-11.65%) | ||
| 2023 | $8,503.00 (+24.29%) Homeowner's exemption | $1,019,430 (+21.57%) | $1,175,158 (+10.8%) Land $551,950 Building $623,208 |
| 2022 | $6,841.00 Homeowner's exemption | $838,546 | $1,060,606 Land $441,975 Building $618,631 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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.
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 |
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