Monroe County property record for 373 Vaca Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,960 sqft · built 1986 |
| Lot Size | 0.226 acres (9,862 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $167,000 (Jun 1999) |
| Tax Bill | $2,641 (2024) |
| Deeds & Mortgages | Mar 2022 Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00536530-000000 |
| Primary APN | 00536530-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,960 sqft Living Area |
| 1st Floor Area | 1,960 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Combination |
| Construction Type | Wood |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 9,862 sqft (0.226 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 1,784 sqft |
| Patio Area | 40 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1660035 |
|---|---|
| Old Parcel Number | 31604000536530000000 |
| Street Address | 373 VACA RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3112 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 10 LT 1 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR179-99 OR372-209 OR782-14 OR810-123/124 OR844-1886Q/C OR1185-1742/59FJ |
| Legal Range | 40E |
| Legal Township | 60S |
| Legal Section | 31 |
| Legal Subdivision | LAKE SURPRISE ESTATES |
| Legal Block | 10 |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2000 |
| 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 December 5, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 373 VACA RD, KEY LARGO, FL 33037-3112 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Mar 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CENTERSTATE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 2, 1999 · Amount on Record |
| Deed Sale | Jun 2, 1999 · Amount on Record |
| Deed Document Number | 0157900501 |
| Deed Book / Page | 01579 / 00501 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 373 VACA RD, KEY LARGO, FL 33037-3112 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2022 |
| Name | Verified Name |
|---|---|
| Address | 373 VACA RD, KEY LARGO, FL 33037-3112 |
| Document Number | 0031601469 |
|---|---|
| Date | Mar 14, 2022 |
| Book Page | 3160/1469 |
| Instrument | 2365572 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 373 VACA RD, KEY LARGO, FL 33037-3112 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030120070 |
|---|---|
| Date | Mar 5, 2020 |
| Book Page | 3012/70 |
| Instrument | 2258705 |
| Name | CENTERSTATE BANK NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33881 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2050 |
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 | $279,700 (+5.99%) | $1,115,625 (+18.46%) Land $765,475 Building $350,150 | |
| 2024 | $2,641.00 (+5.39%) | ||
| 2023 | $2,506.00 (+5.12%) Homeowner's exemption | $263,901 (+3%) | $941,780 (+20.06%) Land $603,000 Building $338,780 |
| 2022 | $2,384.00 Homeowner's exemption | $256,215 | $784,407 Land $502,500 Building $281,907 |
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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 433 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 660 units insured incl. 227 condo units |
| Nearby Flood Claims | 80 (1999–2024) |
| Claims Outside the SFHA | 1 of 80 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 301 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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