52 Mutiny Pl, Key Largo, FL 33037 Property Records

Monroe County property record for 52 Mutiny Pl, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,076 sqft · built 1996
Lot Size	0.28 acres (12,181 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,544 (2024)
Deeds & Mortgages	Apr 2026 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00496131-011000`

Property Details

APN / Parcel Number

Primary APN	`00496131-011000`
Alternative APNs	`31613900496131011000` `1613401`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,076 sqft Living Area
1st Floor Area	2,824 sqft
Attic	Attic
Attic Area	1,209 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	12,181 sqft (0.28 acres)
View / Lot	Lake
Garage Type	Carport
Garage Area	1,118 sqft
Carport	Carport
Carport Area	1,118 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	2,112 sqft
Patio Area	2,517 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1613401
Street Address	52 MUTINY PL
City	KEY LARGO
State	FL
Zip	33037-2326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 4 LT 16 BUCCANEER POINT SUBDIVISION PB7-6 KEY LARGO OR787-450 OR961-931 OR2435-1033D/C OR2435-1038/39 OR2522-1349/52WILL OR2679-2223D/C OR2679-2224D/C OR2679-2201/02 OR2679-2203/04
Legal Range	39E
Legal Township	61S
Legal Section	31
Legal Subdivision	BUCCANEER PT (LARGO SOUND TARPON BASIN)
Legal Block	4
Legal Lot Number	16
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2024
Census Tract	970600

Owner

Source: Monroe County records, as of April 24, 2026

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	52 MUTINY PL, KEY LARGO, FL 33037-2326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA
Oct 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2014
Deed Sale	Apr 16, 2014
Prior Sale	Apr 16, 2014 · Amount on Record
Deed Document Number	20141976937
Deed Book / Page	2679 / 2203
Prior Transfer Date	Sep 11, 2009
Prior Transfer Doc	0024351038
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Recording Date	Apr 8, 2026
Property Address	52 MUTINY PL, KEY LARGO, FL 33037-2326
Document Number	0002538721
Book / Page	3374 / 2148
Instrument Date	Mar 30, 2026
Instrument	20262538721
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 MUTINY PL, KEY LARGO, FL 33037-2326

Mortgage

Document Number	0002538721,
Date	Apr 8, 2026
Book Page	3374/2148
Instrument	20262538721

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2056

Interest

Rate	5.98%
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	52 MUTINY PL, KEY LARGO, FL 33037-2326
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 MUTINY PL, KEY LARGO, FL 33037-2326

Mortgage

Document Number	0030482335
Date	Oct 7, 2020
Book Page	3048/2335
Instrument	2285081

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2040

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$655,130 (+5.99%)	$1,084,510 (+15.94%) Land $565,929 Building $518,581
2024	$5,544.00 (+3.72%)
2023	$5,345.00 (+5.99%) Homeowner's exemption	$618,124 (+3%)	$935,405 (+13.37%) Land $492,112 Building $443,293
2022	$5,043.00 Homeowner's exemption	$600,121	$825,123 Land $369,084 Building $456,039

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 425 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	957 units insured incl. 532 condo units
Nearby Flood Claims	227 (1982–2022)
Claims Outside the SFHA	13 of 227
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 156 claims Hurricane Irene, Oct 1999 · 11 claims Hurricane Georges, Sep 1998 · 30 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 98 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber · Fixed Wireless in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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