60 Mutiny Pl, Key Largo, FL 33037 Property Records

Monroe County property record for 60 Mutiny Pl, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,950 sqft · built 2001
Lot Size	0.241 acres (10,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$765,000 (Jul 2018)
Tax Bill	$3,601 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2018 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00496131-011400`

Property Details

APN / Parcel Number

Primary APN	`00496131-011400`
Alternative APNs	`31613900496131011400` `1613444`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,950 sqft Living Area
Gross Area	2,750 sqft
1st Floor Area	1,500 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2014
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,500 sqft (0.241 acres)
View / Lot	Lake
Garage Type	Attached
Garage Area	800 sqft

Exterior Amenities

Pool Area	525 sqft
Porch	Florida Room
Porch Area	1,592 sqft
Deck Area	80 sqft
Patio Area	850 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1613444
Street Address	60 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	LOT 20 LESS THE ELY 10 BUCCANEER POINT SUBDIVISION PB7-6 KEY LARGO OR787-450 OR897-612/13 OR1365-2047 OR2027-1703 OR2438-2014 OR2919-1091/92
Legal Range	39E
Legal Township	61S
Legal Section	31
Legal Subdivision	BUCCANEER PT (LARGO SOUND TARPON BASIN)
Legal Lot Number	20
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 August 31, 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	60 MUTINY PL, KEY LARGO, FL 33037-2326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 20, 2018	Deed of Trust, Mortgage · ARM CENTENNIAL BANK
Feb 5, 2019	Deed of Trust, Mortgage · ARM US BANK NA
Jul 27, 2018	Warranty Deed, Transfer · ARM CENTENNIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2018 · Amount on Record
Deed Sale	Jul 27, 2018 · Amount on Record
Prior Sale	Nov 4, 2009 · Amount on Record
Deed Document Number	20182179970
Deed Book / Page	2919 / 1091
Prior Transfer Date	Sep 30, 2003
Prior Transfer Doc	0001400033
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	60 MUTINY PL, KEY LARGO, FL 33037-2326
Transaction Type	Mortgage
Record Updated	Feb 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030740744
Date	Feb 9, 2021
Book Page	3074/744
Instrument	2303087

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	60 MUTINY PL, KEY LARGO, FL 33037-2326
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029222442
Date	Aug 20, 2018
Book Page	2922/2442
Instrument	2183164

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Aug 1, 2024
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	10.7%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	60 MUTINY PL, KEY LARGO, FL 33037-2326
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029471228
Date	Feb 5, 2019
Book Page	2947/1228
Instrument	2204524

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Feb 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.25%
Index	1-Year CMT
Max Rate	9.25%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 27, 2018
Property Address	60 MUTINY PL, KEY LARGO, FL 33037-2326
Document Number	0029191091
Book / Page	2919 / 1091
Map Reference	MB7 PG6
Instrument Date	Jul 27, 2018
Instrument	2179970
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,355.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	404 LAGUNA AVE, 404, KEY LARGO, FL 33037-4340

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1552 BUCCANEER CT, MARCO ISLAND, FL 34145-4135

Mortgage

Document Number	0002179971
Date	Jul 27, 2018
Instrument	2179971

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	373 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Aug 1, 2024
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	10.7%

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	$3,601.00 (+4.59%) Homeowner's exemption	$380,873 (+5.99%)	$940,176 (+9.4%) Land $497,490 Building $442,686
2024	$3,443.00 (+4.62%)
2023	$3,291.00 (-46.67%) Homeowner's exemption	$359,359 (-51.93%)	$859,359 (+14.96%) Land $432,600 Building $426,759
2022	$6,171.00	$747,534 Land $324,450 Building $423,084	$747,534 Land $324,450 Building $423,084

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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