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38 Mutiny Pl, Key Largo, FL 33037 Property Records

Monroe County property record for 38 Mutiny Pl, Key Largo, FL 33037 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2013
Square Footage2,960 sqft Living Area
Lot Size13,400 sqft (0.308 acres)
OccupancyOwner Occupied
Last Sale$775,000 (2020)
Tax Bill$5,530.00 (2024)

Property Details

APN / Parcel Number

Primary APN00496131-010300
Alternative APNs
  • 31613900496131010300
  • 1613339

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,960 sqft Living Area
1st Floor1,944 sqft 1st Floor
Stories3 Stories
Primary FlooringCeramic Tile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 2013
Exterior MaterialWood Exterior
Construction TypeWood Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialAsphalt Roof
Lot Area13,400 sqft (0.308 acres)
Garage TypeCovered Garage
Garage Area221 sqft Garage

Exterior Amenities

Pool Area240 sqft Pool
Patio Area40 sqft Patio
Porch Area1,520 sqft Porch
ViewLake View
Boat AccessBoat Access

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Account Number1613339
Street Address38 MUTINY PL
CityKEY LARGO
StateFL
Zip33037-2326
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionBK 4 LT 9 BUCCANEER POINT SUBDIVISION PB7-6 KEY LARGO OR787-450 OR963-209 OR1101-1422 OR1535-200 OR3042-788 OR3044-2315 OR3046-0095 OR3046-0874
Legal Range39E
Legal Township61S
Legal Section31
Legal SubdivisionBUCCANEER PT (LARGO SOUND TARPON BASIN)
Legal Block4
Legal Lot Number9
JurisdictionMONROE FL
Minor Civil DivisionUPPER KEYS
Census Blockgroup2
Census Block2024
Census Tract970600

Owner

Source: Monroe County records · APN 00496131-010300

Assessment roll updated December 8, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address38 MUTINY PL, KEY LARGO, FL 33037-2326
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Sep 21, 2022Deed of Trust, Mortgage · Line of Credit
PNC BANK NA
Dec 10, 2021Deed of Trust, Mortgage · Veterans Administration Mortgage
PS FINANCIAL SERVICES LLC
Sep 24, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Sep 04, 2020Warranty Deed, Transfer · Veterans Administration Mortgage
PS FINANCIAL SERVICES LLC
Sep 23, 2020Correction Deed
FOCUS TITLE GROUP LLC, FOCUS TITLE GRP LLC
Sep 18, 2020Correction Deed
FOCUS TITLE GROUP LLC, FOCUS TITLE GRP LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 23, 2020 · Amount on Record
Deed SaleSep 23, 2020 · Amount on Record
Prior SaleSep 18, 2020 · Amount on Record
Deed Doc Number20202282978
Deed Book / Page3046 / 95
Prior Transfer DateSep 21, 2020
Prior Transfer Doc0030460874
Record RefreshedJun 08, 2026

September 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address38 MUTINY PL, KEY LARGO, FL 33037-2326
Transaction TypeMortgage
Record UpdatedOct 14, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address38 MUTINY PL, KEY LARGO, FL 33037-2326

Mortgage

Document Number0031950268
DateSep 21, 2022
Book Page3195/268
Instrument2392245
Lender
NamePNC BANK NA
TypeBank
AddressDAYTON, OH 45401
Agreement
TypeLine of Credit
AmountAmount Recorded
Term479 Months
DueAug 01, 2062
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address38 MUTINY PL, KEY LARGO, FL 33037-2326
Transaction TypeMortgage
Record UpdatedJan 03, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0031421514
DateDec 10, 2021
Book Page3142/1514
Instrument2352374
Lender
NamePS FINANCIAL SERVICES LLC
TypeReverse Mortgage Lender
AddressMIAMI, FL 33156
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2052

September 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateSep 24, 2020
Property Address38 MUTINY PL, KEY LARGO, FL 33037-2326
Document Number0030460874
Book / Page003046 / 000874
Instrument DateSep 21, 2020
Instrument2283237
Transaction TypeTransfer
Record UpdatedOct 22, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address38 MUTINY PL KEY LARGO FL 330372326, KEY LARGO, FL 33037-2326

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateSep 04, 2020
Property Address38 MUTINY PL, KEY LARGO, FL 33037-2326
Document Number0030420788
Book / Page3042 / 788
Map ReferenceMB 7 PG 6
Instrument DateAug 28, 2020
Instrument2280416
Transaction TypeTransfer
Record UpdatedDec 23, 2021
Title CompanyFOCUS TITLE GROUP LLC

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address100636 OVERSEAS HWY, 100636, KEY LARGO, FL 33037-2561

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address38 MUTINY PL, KEY LARGO, FL 33037-2326

Mortgage

Document Number0003042790
DateSep 04, 2020
Instrument3042/790
Lender
NamePS FINANCIAL SERVICES LLC
TypeNon-Lending Institution
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2050

September 2020: Correction Deed

Document TypeCorrection Deed
JurisdictionMONROE FL
Recording DateSep 23, 2020
Property Address38 MUTINY PL, KEY LARGO, FL 33037-2326
Document Number0030460095
Book / Page003046 / 000095
Instrument DateAug 28, 2020
Instrument2282978
Record UpdatedOct 22, 2020
Title CompanyFOCUS TITLE GROUP LLC, FOCUS TITLE GRP LLC

Transaction

AmountAmount Recorded
Tax$5,425.00

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address38 MUTINY PL KEY LARGO FL 330372326, KEY LARGO, FL 33037-2326

September 2020: Correction Deed

Document TypeCorrection Deed
JurisdictionMONROE FL
Recording DateSep 18, 2020
Property Address38 MUTINY PL, KEY LARGO, FL 33037-2326
Document Number0030442315
Book / Page003044 / 002315
Instrument DateAug 28, 2020
Instrument2282380
Record UpdatedOct 05, 2020
Title CompanyFOCUS TITLE GROUP LLC, FOCUS TITLE GRP LLC

Transaction

AmountAmount Recorded
Tax$5,425.00

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address38 MUTINY PL KEY LARGO FL 330372326, KEY LARGO, FL 33037-2326

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe 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.

YearTax BillAssessed ValueAssessed Market Value
2025$658,470 (+5.99%)$1,026,267 (+9.46%) Land $604,072 Building $422,195
2024$5,530.00 (+3.75%)
2023$5,330.00 (+6.01%) Senior Citizen's exemption$621,275 (+3%)$937,573 (+15.48%) Land $525,280 Building $412,293
2022$5,028.00 Senior Citizen's exemption$603,180$811,925 Land $393,960 Building $417,965

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 ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation10.0 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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