68 Mutiny Pl, Key Largo, FL 33037 Property Records

Monroe County property record for 68 Mutiny Pl, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,317 sqft · built 2019
Lot Size	0.304 acres (13,223 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,535,000 (Apr 2021)
Tax Bill	$15,288 (2024)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Dec 2018 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00496131-011800`

Property Details

APN / Parcel Number

Primary APN	`00496131-011800`
Alternative APNs	`31613900496131011800` `1613487`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	3,317 sqft Living Area
Gross Area	3,639 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Other
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	13,223 sqft (0.304 acres)
View / Lot	Lake
Garage Type	Attached
Garage Area	322 sqft
Porch	Open Porch
Patio Area	240 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1613487
Street Address	68 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 24 BUCCANEER POINT SUBDIVISION PB7-6 KEY LARGO OR787-450 OR897-616/17 OR1409-2084 OR1409-2085 OR1409-2086 OR1634-2311/12 OR2274-748/49 OR2621-1483 OR2630-1483 OR2773-401 OR3092-0846
Legal Range	39E
Legal Township	61S
Legal Section	31
Legal Subdivision	BUCCANEER PT (LARGO SOUND TARPON BASIN)
Legal Block	4
Legal Lot Number	24
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 10, 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	68 MUTINY PL, KEY LARGO, FL 33037-2326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Warranty Deed, Transfer · Conventional Mortgage AMERICAN BANCSHARES MORTGAGE
Dec 11, 2018	Deed of Trust, Mortgage · ARM CENTERSTATE BANK OF FLORIDA NA
Mar 25, 2020	Deed of Trust, Mortgage · Line of Credit CENTERSTATE BANK NA
Apr 26, 2021	Warranty Deed, Transfer · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2021 · Amount on Record
Deed Sale	Apr 26, 2021 · Amount on Record
Prior Sale	Dec 10, 2015 · Amount on Record
Deed Document Number	20212316062
Deed Book / Page	3092 / 846
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 14, 2026
Property Address	68 MUTINY PL, KEY LARGO, FL 33037-2326
Document Number	0002551690
Book / Page	3391 / 2476
Instrument Date	Jul 2, 2026
Instrument	20262551690
Transaction Type	Transfer
Record Updated	Jul 24, 2026
Title Company	FLORIDIAN TITLE GROUP INC, FLORIDIAN TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,661,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	18565 SW 94TH AVE, CUTLER BAY, FL 33157-7029

Mortgage

Document Number	0002551692,
Date	Jul 14, 2026
Instrument	20262551692

Lender

Name	AMERICAN BANCSHARES MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	68 MUTINY PL, KEY LARGO, FL 33037-2326
Transaction Type	Mortgage
Record Updated	Sep 17, 2021
Title Company	BAY2OCEAN TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029392227
Date	Dec 11, 2018
Book Page	2939/2227
Instrument	2197824

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank
Address	WINTER HAVEN, FL 33881

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Dec 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.5%
Index	1-Year LIBOR
Max Rate	9.5%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	68 MUTINY PL, KEY LARGO, FL 33037-2326
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030151091
Date	Mar 25, 2020
Book Page	3015/1091
Instrument	2261334

Lender

Name	CENTERSTATE BANK NA
Type	Bank
Address	KEY LARGO, FL 33037

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Feb 18, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 26, 2021
Property Address	68 MUTINY PL, KEY LARGO, FL 33037-2326
Document Number	0030920846
Book / Page	3092 / 846
Map Reference	MB 7 PG 6
Instrument Date	Apr 17, 2021
Instrument	2316062
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	ASSURE AMERICA TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,745.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 628, TAVERNIER, FL 33070-0628

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	68 MUTINY PL, KEY LARGO, FL 33037-2326

Mortgage

Document Number	3092848
Date	Apr 26, 2021
Instrument	3092/848

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS LLC
Type	Mortgage Company

Agreement

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

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		$1,882,129 (+13.71%) Land $596,093 Building $1,286,036	$1,882,129 (+13.71%) Land $596,093 Building $1,286,036
2024	$15,288.00 (+9.98%)
2023	$13,901.00 (+11.23%)	$1,655,239 (+7.91%) Land $518,342 Building $1,136,897	$1,655,239 (+7.91%) Land $518,342 Building $1,136,897
2022	$12,498.00	$1,533,937 Land $388,756 Building $1,145,181	$1,533,937 Land $388,756 Building $1,145,181

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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