Monroe County property record for 4 Grassy Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,736 sqft · built 2007 |
| Lot Size | 0.083 acres (3,600 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $585,000 (Dec 2017) |
| Tax Bill | $7,386 (2024) |
| Deeds & Mortgages | Jan 2022 Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00532701-019800 |
| Primary APN | 00532701-019800 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 1,736 sqft Living Area |
| Gross Area | 2,058 sqft |
| 1st Floor Area | 1,736 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 3,600 sqft (0.083 acres) |
| Lot Dimensions | 80 ft deep x 45 ft wide |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 322 sqft |
| Porch | Open Porch |
| Porch Area | 568 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1653861 |
|---|---|
| Street Address | 4 GRASSY RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URM |
| Legal Description | BK 6 LT 44 SEXTON COVE ESTATES - RESUBDIVISION-KEY LARGO PB6-30 OR574-362 OR768-1061 OR786-1511 OR1408-2369D/C OR1408-2371 OR1544-1978/TR OR1676-2265/73AFF/RESIG-TR OR1676-2274 OR2182-2046 OR2806-1907/08 OR2881-2248/49 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 01 |
| Legal Subdivision | SEXTON COVES ESTATES |
| Legal Block | 6 |
| Legal Lot Number | 44 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2004 |
| 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 8, 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 | 13934 SW 157TH ST, MIAMI, FL 33177-1083 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 13, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 6, 2017 | Intrafamily Transfer, Transfer · ARM ANGEL OAK MORTGAGE SOLUTIONS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 6, 2017 · Amount on Record |
| Deed Sale | Dec 6, 2017 · Amount on Record |
| Prior Sale | Jul 20, 2016 · Amount on Record |
| Deed Document Number | 20172146337 |
| Deed Book / Page | 2881 / 2248 |
| Prior Transfer Date | Nov 21, 2017 |
| Prior Transfer Doc | 0028812248 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 4 GRASSY RD, KEY LARGO, FL 33037-3011 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4 GRASSY RD, KEY LARGO, FL 33037-3011 |
| Document Number | 0031482273 |
|---|---|
| Date | Jan 13, 2022 |
| Book Page | 3148/2273 |
| Instrument | 2356946 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 4 GRASSY RD, KEY LARGO, FL 33037-3011 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0030171549 |
|---|---|
| Date | Apr 9, 2020 |
| Book Page | 3017/1549 |
| Instrument | 2262814 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Dec 6, 2017 |
| Property Address | 4 GRASSY RD, KEY LARGO, FL 33037-3011 |
| Document Number | 0028812248 |
| Book / Page | 2881 / 2248 |
| Map Reference | MB6 PG30 |
| Instrument Date | Nov 21, 2017 |
| Instrument | 2146337 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,095.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2151 SW 139TH AVE, 2151, MIAMI, FL 33175-7502 |
| Name | Verified Name |
|---|---|
| Address | 13934 SW 157TH ST, MIAMI, FL 33177-1083 |
| Document Number | 0002146338 |
|---|---|
| Date | Dec 6, 2017 |
| Instrument | 2146338 |
| Name | ANGEL OAK MORTGAGE SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.5% |
| Type Change Date | Dec 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 5.5% |
| Max Rate At Change | 9.5% |
| Index | 1-Year LIBOR |
| Margin | 4 |
| Max Rate | 12.5% |
Source: Monroe County assessment roll, as of December 8, 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 | $999,870 (+17.15%) Land $489,447 Building $510,423 | $999,870 (+17.15%) Land $489,447 Building $510,423 | |
| 2024 | $7,386.00 (+12.68%) | ||
| 2023 | $6,555.00 (+12.51%) | $853,511 (+11.76%) Land $343,440 Building $510,071 | $853,511 (+11.76%) Land $343,440 Building $510,071 |
| 2022 | $5,826.00 | $763,707 Land $286,200 Building $477,507 | $763,707 Land $286,200 Building $477,507 |
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 66% of the US · lower than 91% 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 228 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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