Monroe County property record for 306 Lance Ln, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,976 sqft · built 1998 |
| Lot Size | 0.149 acres (6,495 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $100 (Jun 1997) |
| Tax Bill | $2,257 (2024) |
| Deeds & Mortgages | Jan 2019 Loan Modification Feb 2018 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00564147-004000 |
| Primary APN | 00564147-004000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,976 sqft Living Area |
| 1st Floor Area | 1,976 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Other |
| Construction Type | Wood |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,495 sqft (0.149 acres) |
| Garage Area | 572 sqft |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 87 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1690589 |
|---|---|
| Old Parcel Number | 12613900564147004000 |
| Street Address | 306 LANCE LN |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4814 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KEY LARGO MOBILE HOMESITES PLAT NO 4 PB6-15 LOT 6 & PT LOT 7 BK 12 OR725-735 OR1203-1539 OR1463-778 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 12 |
| Legal Subdivision | KEY LARGO MOBILE HOMESITE PLAT #4 |
| Legal Block | 12 |
| Legal Lot Number | 6-7 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1015 |
| 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 5, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 306 LANCE LN, KEY LARGO, FL 33037-4814 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 8, 2019 | Loan Modification, Mortgage · Conventional Mortgage US SMALL BUSN ADMN |
| Feb 15, 2018 | Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 24, 1997 · Amount on Record |
| Deed Sale | Jun 24, 1997 · Amount on Record |
| Deed Document Number | 0146300778 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 306 LANCE LN, KEY LARGO, FL 33037-4814 |
| Document Number | 0029432084 |
| Instrument Date | Jan 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 58 AVENUE D KEY LARGO FL 33037, KEY LARGO, FL 33037 |
| Document Number | 0029432084 |
|---|---|
| Date | Jan 8, 2019 |
| Book Page | 002943/002084 |
| Instrument | 2201046 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 7, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 306 LANCE LN, KEY LARGO, FL 33037-4814 |
| Document Number | 0029091240 |
| Instrument Date | Feb 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 58 AVENUE D KEY LARGO FL 33037, KEY LARGO, FL 33037 |
| Document Number | 0029091240 |
|---|---|
| Date | Jun 1, 2018 |
| Book Page | 002909/001240 |
| Instrument | 2171622 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 31, 2048 |
Source: Monroe County assessment roll, as of July 1, 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 | $228,093 (+2.9%) | $786,127 (+10.61%) Land $357,875 Building $428,252 | |
| 2024 | $2,257.00 (+5.91%) Homeowner's exemption | $221,665 (+3%) | $710,715 (+1.74%) Land $317,768 Building $392,947 |
| 2023 | $2,131.00 (+4.77%) Homeowner's exemption | $215,209 (+3%) | $698,574 (+1.25%) Land $317,768 Building $380,806 |
| 2022 | $2,034.00 Homeowner's exemption | $208,941 | $689,964 Land $311,598 Building $378,366 |
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 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.
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 |
5G (outdoors only) and 4G LTE
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