354 Vaca Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 354 Vaca Rd, Key Largo, FL 33037 · Last verified December 2025

Property Summary

Property Type	Mobile Home
Details	5 bd · 3 ba · 1,512 sqft · built 1971
Lot Size	0.137 acres (6,000 sqft)
Owner	Company Name on File
Last Sale	$735,000 (Oct 2025)
Tax Bill	$6,240 (2024)
Deeds & Mortgages	Oct 2025 Sale Mar 2023 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00536840-000000`

Property Details

APN / Parcel Number

Primary APN	`00536840-000000`
Alternative APNs	`31604000536840000000` `1660345`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,512 sqft Living Area
1st Floor Area	780 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2001
Exterior Material	Combination
Construction Type	Wood
Foundation Type	Block
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	100 ft deep x 60 ft wide

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	856 sqft
Deck Area	800 sqft
Patio Area	180 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1660345
Old Parcel Number	31604000536840000000
Street Address	354 VACA RD
City	KEY LARGO
State	FL
Zip	33037-3112
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	BK 10 LT 32 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR564-1049 OR672-505 OR951-468/69 OR965-1149 OR1002-551 OR1120-173
Legal Range	40E
Legal Township	60S
Legal Section	31
Legal Subdivision	LAKE SURPRISE ESTATES
Legal Block	10
Legal Lot Number	32
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2000
Census Tract	972700

Owner

Source: Monroe County records · APN 00536840-000000

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	Company Name on File
Mailing Address	16841 NW 80TH CT, MIAMI LAKES, FL 33016-3495
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 02, 2025	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Mar 14, 2023	Deed of Trust, Mortgage CLJF INVESTMENT TRUST
Mar 31, 2021	Warranty Deed, Transfer · Commercial Mortgage RBI MORTGAGES LLC
Nov 02, 2018	Warranty Deed, Transfer · ARM CENTERSTATE BANK OF FLORIDA NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 02, 2025 · Amount on Record
Deed Sale	Oct 02, 2025 · Amount on Record
Prior Sale	Mar 31, 2021 · Amount on Record
Deed Document Number	2517458
Deed Book / Page	3347 / 1597
Record Updated	Jun 08, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 02, 2025
Property Address	354 VACA RD, KEY LARGO, FL 33037-3112
Document Number	0033471597
Book / Page	3347 / 1597
Map Reference	MB 4 PG 162
Instrument Date	Oct 02, 2025
Instrument	2517458
Transaction Type	Transfer
Record Updated	Oct 22, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$5,145.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15978 SW 148TH TER, MIAMI, FL 33196-5735

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16841 NW 80TH CT, MIAMI LAKES, FL 33016-3495

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	354 VACA RD, KEY LARGO, FL 33037-3112
Transaction Type	Mortgage
Record Updated	Mar 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15978 SW 148TH TER, MIAMI, FL 33196-5735

Mortgage

Document Number	0032151662
Date	Mar 14, 2023
Book Page	3215/1662
Instrument	2410010

Lender

Name	CLJF INVESTMENT TRUST
Type	Non-Lending Institution
Address	MIAMI, FL 33156

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Mar 01, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 31, 2021
Property Address	354 VACA RD, KEY LARGO, FL 33037-3112
Document Number	0030851180
Book / Page	3085 / 1180
Map Reference	MB 4 PG 162
Instrument Date	Mar 18, 2021
Instrument	2311296
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	C&C TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,745.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14540 SW 151ST TER, 14540, MIAMI, FL 33186-5681

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15978 SW 148TH TER, MIAMI, FL 33196-5735

Mortgage

Document Number	0030851182
Date	Mar 31, 2021
Instrument	3085/1182

Lender

Name	RBI MORTGAGES LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 02, 2018
Property Address	354 VACA RD, KEY LARGO, FL 33037-3112
Document Number	0029341375
Book / Page	2934 / 1375
Map Reference	MB4 PG162
Instrument Date	Nov 01, 2018
Instrument	2193049
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	COASTAL TITLE & CLOSING SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5053 SW 112TH CT, 5053, MIAMI, FL 33165-6046

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 PIGEON DR, KEY LARGO, FL 33037-3025

Mortgage

Document Number	0002193050
Date	Nov 02, 2018
Instrument	2193050

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Dec 01, 2023
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year LIBOR
Max Rate	11.2%

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		$744,656 (-0.16%) Land $610,095 Building $134,561	$744,656 (-0.16%) Land $610,095 Building $134,561
2024	$6,240.00 (+13.21%)	$745,836 (+21.51%) Land $610,095 Building $135,741	$745,836 (+21.51%) Land $610,095 Building $135,741
2023	$5,512.00 (+13.21%)	$613,830 (+13.54%) Land $480,600 Building $133,230	$613,830 (+13.54%) Land $480,600 Building $133,230
2022	$4,869.00	$540,619 Land $400,500 Building $140,119	$540,619 Land $400,500 Building $140,119

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879727002, refreshed September 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
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 433 individual NFIP policies nearby
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	660 units insured 227 under condo master policies
Nearby Flood Claims	80 (1999–2024)
Claims Outside the SFHA	1 of 80
Most Recent Claim	Oct 2024, rainfall accumulation, Hurricane Milton
Claims By Storm	Hurricane Ian, Sep 2022 · 11 claims Hurricane Irma, Sep 2017 · 33 claims Hurricane Wilma, Oct 2005 · 13 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 301 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
AT&T	DSL	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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