331 Vaca Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 331 Vaca Rd, Key Largo, FL 33037 · Last verified December 2025

Property Highlights

Property Type	Residential > Prefabricated > Mobile Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 1995
Square Footage	828 sqft Living Area
Lot Size	6,000 sqft (0.137 acres)
Occupancy	Owner Occupied
Last Sale	$28,000 (1978)
Tax Bill	$1,357.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`00536600-000000`
Alternative APNs	`31604000536600000000` `1660108`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Building Area	828 sqft Living Area
1st Floor	828 sqft 1st Floor
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1995
Exterior Material	Metal Exterior
Construction Type	Wood Construction
Foundation Type	Block Foundation
Roof Construction	Flat Roof Construction
Roof Material	Metal Roof
Lot Area	6,000 sqft (0.137 acres)
Depth X Width	100 ft x 60 ft Depth x Width

Exterior Amenities

Fence	Fence
Porch	Finished/Screened Porch
Porch Area	180 sqft Porch
Boat Access	Boat Access

Utilities and HVAC

Cooling System	None Cooling

Location & Zoning

Account Number	1660108
Old Parcel Number	31604000536600000000
Street Address	331 VACA RD
City	KEY LARGO
State	FL
Zip	33037-3112
Property Usage	Residential Property Usage
Type	Residential > Prefabricated > Mobile Home
Legal Description	BK 10 LT 8 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR404-720-721 OR758-946
Legal Range	40E
Legal Township	60S
Legal Section	31
Legal Subdivision	LAKE SURPRISE ESTATES
Legal Block	10
Legal Lot Number	8
Jurisdiction	MONROE FL
Minor Civil Division	UPPER KEYS
Census Blockgroup	2
Census Block	2000
Census Tract	972700

Owner

Source: Monroe County records · APN 00536600-000000

Assessment roll updated July 1, 2025 · Last verified December 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 File
Mailing Address	331 VACA RD, KEY LARGO, FL 33037-3112
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 01, 1978 · Amount on Record
Deed Sale	Apr 01, 1978 · Amount on Record
Deed Doc Number	0000758946
Record Refreshed	Jun 08, 2026

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	331 VACA RD, KEY LARGO, FL 33037-3112
Document Number	0028860539
Book / Page	002886 / 000539
Instrument Date	Jul 06, 2017
Transaction Type	Mortgage
Record Updated	Jan 18, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	331 VACA RD KEY LARGO FL 330373112, KEY LARGO, FL 33037-3112

Mortgage

Document Number	0028860539
Date	Jan 05, 2018
Book Page	002886/000539
Instrument	2150137

Lender

Name	CAPITAL BK
Type	Bank
Address	KEY LARGO, FL 33037

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 04, 2028

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

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		$112,104 (+5.99%)	$654,739 (+25.16%) Land $610,095 Building $44,644
2024	$1,357.00 (+8.47%)
2023	$1,251.00 (+3.47%) Homeowner's exemption	$105,772 (+3%)	$523,123 (+17.79%) Land $480,600 Building $42,523
2022	$1,209.00 Homeowner's exemption	$102,692	$444,099 Land $400,500 Building $43,599

Flood & Wildfire

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

Flood

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

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.

Historic Designation

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.