Monroe County property record for 326 Lance Ln, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,440 sqft · built 2019 |
| Lot Size | 0.317 acres (13,824 sqft) |
| Owner | Company Name on Record |
| Last Sale | $194,000 (Jul 2000) |
| Tax Bill | $2,608 (2024) |
| Deeds & Mortgages | Mar 2026 Transfer Mar 2019 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00564147-004300 |
| Primary APN | 00564147-004300 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 1,368 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 13,824 sqft (0.317 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 1,016 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1690619 |
|---|---|
| Street Address | 326 LANCE LN |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4848 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 12 LOTS 8 & 9 KEY LARGO MOBILE HOMESITES PLAT NO 4 PB6-15 OR766-493 OR784-1376 OR1083-312 OR1374-2005 OR1415-2073 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 12 |
| Legal Subdivision | KEY LARGO MOBILE HOMESITE PLAT #4 |
| Legal Block | 12 |
| Legal Lot Number | 8-9 9 |
| 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 March 17, 2026
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 | Company Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 326 LANCE LN, KEY LARGO, FL 33037-4848 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Mar 2, 2026 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Mar 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 3, 2000 · Amount on Record |
| Deed Sale | Jul 3, 2000 · Amount on Record |
| Prior Sale | Sep 20, 2002 |
| Deed Document Number | 0016410154 |
| Deed Book / Page | 12613 |
| Last Transfer Date | Mar 2, 2026 |
| Transfer Doc | 0033682065 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 2, 2026 |
| Property Address | 326 LANCE LN, KEY LARGO, FL 33037-4848 |
| Document Number | 0033682065 |
| Book / Page | 3368 / 2065 |
| Map Reference | MB 6 PG 15 |
| Instrument Date | Dec 19, 2025 |
| Instrument | 2534128 |
| Transaction Type | Transfer |
| Record Updated | Mar 18, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 326 LANCE LN, KEY LARGO, FL 33037-4848 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 326 LANCE LN, KEY LARGO, FL 33037-4848 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 326 LANCE LN, KEY LARGO, FL 33037-4848 |
| Document Number | 0029551456 |
| Instrument Date | Mar 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 326 LANCE LN KEY LARGO FL 330374848, KEY LARGO, FL 33037-4848 |
| Document Number | 0029551456 |
|---|---|
| Date | Mar 27, 2019 |
| Book Page | 002955/001456 |
| Instrument | 2212754 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Mar 26, 2047 |
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 | $310,993 (+5.99%) | $1,267,136 (+39.46%) Land $941,760 Building $325,376 | |
| 2024 | $2,608.00 (+5.97%) | ||
| 2023 | $2,461.00 (+6.21%) Homeowner's exemption | $293,427 (+3%) | $908,599 (+4.69%) Land $630,720 Building $277,879 |
| 2022 | $2,317.00 Homeowner's exemption | $284,881 | $867,934 Land $587,520 Building $280,414 |
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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