Monroe County property record for 308 Vaca Rd, Key Largo, FL 33037 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2016 |
| Square Footage | 1,406 sqft Living Area |
| Lot Size | 6,000 sqft (0.138 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $465,000 (2020) |
| Tax Bill | $548.00 (2024) |
| Primary APN | 00536670-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,406 sqft Living Area |
| Gross Area | 1,700 sqft Gross Area |
| 1st Floor | 1,406 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Plywood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 6,000 sqft (0.138 acres) |
| Depth X Width | 100 ft x 60 ft Depth x Width |
| Garage Type | Attached Garage |
| Garage Area | 294 sqft Garage |
| Patio Area | 120 sqft Patio |
| Porch | Open Porch |
| Porch Area | 304 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Account Number | 1660175 |
|---|---|
| Street Address | 308 VACA RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3112 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | BK 10 LT 15 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR629-216 OR933-327 OR933-328/29 OR1405-195 OR1614-293 OR1977-784D/C OR2029-1930 OR2054-27 OR2631-1771 OR2770-1222 OR2830-697/98 OR3032-0366 |
| Legal Range | 40E |
| Legal Township | 60S |
| Legal Section | 31 |
| Legal Subdivision | LAKE SURPRISE ESTATES |
| Legal Block | 10 |
| Legal Lot Number | 15 |
| Jurisdiction | MONROE FL |
| Minor Civil Division | UPPER KEYS |
| Census Blockgroup | 2 |
| Census Block | 2000 |
| Census Tract | 972700 |
Source: Monroe County records · APN 00536670-000000
Assessment roll updated December 8, 2025 · Last verified April 2026
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 File |
|---|---|
| Mailing Address | 308 VACA RD, KEY LARGO, FL 33037-3112 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 27, 2022 | Deed of Trust, Mortgage · Veterans Administration Mortgage NAVY FCU |
| Jul 16, 2020 | Warranty Deed, Transfer · Veterans Administration Mortgage NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 16, 2020 · Amount on Record |
| Deed Sale | Jul 16, 2020 · Amount on Record |
| Prior Sale | Dec 14, 2016 · Amount on Record |
| Deed Doc Number | 20202273279 |
| Deed Book / Page | 3032 / 366 |
| Prior Transfer Date | Nov 20, 2015 |
| Prior Transfer Doc | 0027701222 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 308 VACA RD, KEY LARGO, FL 33037-3112 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Title Company | NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 308 VACA RD, KEY LARGO, FL 33037-3112 |
| Document Number | 0031760938 |
|---|---|
| Date | May 27, 2022 |
| Book Page | 3176/938 |
| Instrument | 2377491 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 16, 2020 |
| Property Address | 308 VACA RD, KEY LARGO, FL 33037-3112 |
| Document Number | 0030320366 |
| Book / Page | 003032 / 000366 |
| Instrument Date | Jul 10, 2020 |
| Instrument | 2273279 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,255.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | PO BOX 835670 MIAMI FL 332835670, MIAMI, FL 33283-5670 |
| Document Number | 30320368 |
|---|---|
| Date | Jul 16, 2020 |
| Book Page | 003032/000368 |
| Instrument | 2273280 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 15, 2050 |
Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 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 | $654,895 (-2.13%) Land $271,500 Building $383,395 | $654,895 (-2.13%) Land $271,500 Building $383,395 | |
| 2024 | $548.00 (+19.91%) | ||
| 2023 | $457.00 (-89.39%) Homeowner's exemption | $669,114 (+9.37%) Land $258,990 Building $410,124 | $669,114 (+9.37%) Land $258,990 Building $410,124 |
| 2022 | $4,308.00 | $611,794 Land $200,250 Building $411,544 | $611,794 Land $200,250 Building $411,544 |
Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Wildfire Risk | Low above 37% of the US · above 11% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,852 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures