316 Lance Ln, Key Largo, FL 33037 Property Records

Monroe County property record for 316 Lance Ln, Key Largo, FL 33037

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,680 sqft · built 1989
Lot Size	0.281 acres (12,250 sqft)
Owner	Trust Name on File
Last Sale	$530,000 (Nov 2016)
Tax Bill	$8,807 (2025)
Deeds & Mortgages	May 2023 Transfer Jan 2022 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00564147-004100`

Property Details

APN / Parcel Number

Primary APN	`00564147-004100`
Alternative APNs	`12613900564147004100` `1690597`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	1,680 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1999
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	12,250 sqft (0.281 acres)
View / Lot	Canal
Porch	Slab
Porch Area	416 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1690597
Street Address	316 LANCE LN
City	KEY LARGO
State	FL
Zip	33037-4814
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	URM
Legal Description	KEY LARGO MOBILE HOMESITES PLAT NO 4 PB6-15 PT LOT 7 BK 12 OR525-517 OR784-1376/77 OR821-1073 OR885-1103 OR900-1485/86 OR900-1490 OR900-1491 OR900-1484 OR1225-184 OR2827-1751 OR3226-0570
Legal Range	39E
Legal Township	61S
Legal Section	12
Legal Subdivision	KEY LARGO MOBILE HOMESITE PLAT #4
Legal Block	12
Legal Lot Number	7
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1015
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

316 Lance Ln, a mobile home, is held in a trust since May 2023.

Source: Monroe County records, as of May 4, 2026

Owner of Record	Trust Name on File
Mailing Address	1901 SW 24TH TER, MIAMI, FL 33145-3728
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 19, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jan 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2016 · Amount on File
Deed Sale	Nov 29, 2016 · Amount on File
Prior Sale	Nov 1, 1983 · Amount on File
Deed Document Number	20162100868
Deed Book / Page	2827 / 1751
Last Transfer Date	May 19, 2023
Transfer Doc	0032260570
Record Updated	Oct 29, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	May 19, 2023
Property Address	316 LANCE LN, KEY LARGO, FL 33037-4814
Document Number	0032260570
Book / Page	3226 / 570
Map Reference	MB 6 PG 15
Instrument Date	May 19, 2023
Instrument	2418791
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1901 SW 24TH TER, MIAMI, FL 33145-3728

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	1901 SW 24TH TER, MIAMI, FL 33145-3728

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	316 LANCE LN, KEY LARGO, FL 33037-4814
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 LANCE LN, KEY LARGO, FL 33037-4814

Mortgage

Document Number	0031480840
Date	Jan 11, 2022
Book Page	3148/840
Instrument	2356519

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 316 Lance Ln was $8,807, up 15% from the year before.

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	$8,807.00 (+15%)	$1,073,356 Land $894,618 Building $178,738	$1,073,356 Land $894,618 Building $178,738
2024	$7,658.00 (+10.79%)
2023	$6,912.00 (+60.63%)	$776,584 (+53.65%) Land $599,148 Building $177,436	$776,584 (+4.88%) Land $599,148 Building $177,436
2022	$4,303.00 Homeowner's exemption	$505,430	$740,432 Land $558,110 Building $182,322

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

Flood

FEMA maps place 316 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 316 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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