Monroe County property record for 5 S Exuma Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,029 sqft · built 1996 |
| Lot Size | 0.193 acres (8,400 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $910,000 (May 2018) |
| Tax Bill | $10,106 (2024) |
| Deeds & Mortgages | Oct 2022 Line of Credit Jul 2018 Line of Credit + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00540190-000000 |
| Primary APN | 00540190-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,029 sqft Living Area |
| 1st Floor Area | 1,596 sqft |
| Basement Area | 588 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,400 sqft (0.193 acres) |
| Lot Dimensions | 120 ft deep x 70 ft wide |
| View / Lot | Canal |
| Garage Type | Covered |
| Garage Area | 1,008 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 1,474 sqft |
| Deck Area | 300 sqft |
| Patio Area | 1,158 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1663689 |
|---|---|
| Street Address | 5 S EXUMA RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 8 LT 15 OCEAN ISLE EST PB5-14 KEY LARGO OR493-250 OR803-454 OR818-1954 OR1006-2251 OR2502-2332/33D/C OR2529-486/88 OR2534-1382/84C OR2594-718/19 OR2905-2179 |
| Legal Range | 40E |
| Legal Township | 61S |
| Legal Section | 06 |
| Legal Subdivision | OCEAN ISLE ESTATE |
| Legal Block | 8 |
| Legal Lot Number | 15 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1011 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5 S EXUMA RD, KEY LARGO, FL 33037-5006 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 19, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jul 3, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Sep 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| May 9, 2018 | Warranty Deed, Transfer · ARM PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2018 · Amount on Record |
| Deed Sale | May 9, 2018 · Amount on Record |
| Prior Sale | Oct 17, 2012 · Amount on Record |
| Deed Document Number | 20182168291 |
| Deed Book / Page | 2905 / 2179 |
| Prior Transfer Date | Sep 12, 2011 |
| Prior Transfer Doc | 0025341382 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 5 S EXUMA RD, KEY LARGO, FL 33037-5006 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 5 S EXUMA RD, KEY LARGO, FL 33037-5006 |
| Document Number | 0031980335 |
|---|---|
| Date | Oct 19, 2022 |
| Book Page | 3198/335 |
| Instrument | 2394854 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 472 Months |
| Due | Feb 2, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 5 S EXUMA RD, KEY LARGO, FL 33037-5006 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0029150357 |
|---|---|
| Date | Jul 3, 2018 |
| Book Page | 2915/0357 |
| Instrument | 2176387 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 5 S EXUMA RD, KEY LARGO, FL 33037-5006 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 11647 FLAT BRANCH CLOSE DR 4303, 4303, CHARLOTTE, NC 28277-4725 |
| Document Number | 0030462480 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 3046/2480 |
| Instrument | 2283705 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 333 Months |
| Due | Jun 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Sep 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 8.62% |
| Index | 1-Year LIBOR |
| Max Rate | 8.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 9, 2018 |
| Property Address | 5 S EXUMA RD, KEY LARGO, FL 33037-5006 |
| Document Number | 0029052179 |
| Book / Page | 2905 / 2179 |
| Map Reference | MB5 PG14 |
| Instrument Date | May 8, 2018 |
| Instrument | 2168291 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | CORAL REEF TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,370.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 5 S EXUMA RD, KEY LARGO, FL 33037-5006 |
| Document Number | 0002168292 |
|---|---|
| Date | May 9, 2018 |
| Instrument | 2168292 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Jun 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 8.62% |
| Index | 1-Year LIBOR |
| Max Rate | 8.62% |
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 | $1,480,533 (+20.23%) Land $998,844 Building $481,689 | $1,480,533 (+20.23%) Land $998,844 Building $481,689 | |
| 2024 | $10,106.00 (+11.71%) | ||
| 2023 | $9,047.00 (+15.25%) | $1,231,442 (+17.47%) Land $768,936 Building $462,506 | $1,231,442 (+17.47%) Land $768,936 Building $462,506 |
| 2022 | $7,850.00 | $1,048,297 Land $579,600 Building $468,697 | $1,048,297 Land $579,600 Building $468,697 |
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 | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 225 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 225 in force |
| Nearby Flood Claims | 29 (2017–2023) |
| Most Recent Claim | Nov 2023 · rainfall accumulation |
| 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 | Moderate above 50% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 188 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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