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81 Snapper Ln, #A, Key Largo, FL 33037 Property Records

Monroe County property record for 81 Snapper Ln, #A, Key Largo, FL 33037

Property Summary

Property TypeCondominium
Details3 bd · 3.5 ba · 1,499 sqft · built 1974
Lot Size4 acres (182,627 sqft)
OwnerCompany Name on Record
Last Sale$7,495,000 (May 2023)
Tax Bill$44,670 (2025)
Deeds & MortgagesMay 2023 Sale & Mortgage
May 2022 Sale & Mortgage
+ 3 more
Flood ZoneZone VE (high risk)
APN00569513-000421

Property Details

APN / Parcel Number

Primary APN00569513-000421
Alternative APNs
  • 07594100569513000421
  • 1701904

Interior

Bedrooms3 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Building Area1,499 sqft Living Area

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 1974
Architectural StyleCondo/Apartment
Lot Area182,627 sqft (4 acres)

Location & Zoning

Account Number1701904
Street Address81 SNAPPER LN, A
CityKEY LARGO
StateFL
Zip33037-3744
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeUR
Legal DescriptionUNIT PC-81A PUMPKIN CAY CONDOMINIUM 10 PB6-114 OR605-253 OR1362-556 OR2613-2499 OR2785-1278 OR2842-1684 OR2926-0662 OR3066-677 OR3173-0907 OR3225-0829
Legal Range41E
Legal Township59S
Legal Section07
Legal SubdivisionPUMPKIN CAY O.R. #7 2ND REV
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group3
Census Block3050
Census Tract972700

Owner

Source: Monroe County records, as of May 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing Address4711 S DOWNING ST, ENGLEWOOD, CO 80113-5917
Owner TypeCompany
VestingBorrower in Default

Deeds, Mortgages & Sale History

DateDocument
May 15, 2023Warranty Deed, Transfer · Conventional Mortgage
FIRST HORIZON BANK
May 12, 2022Warranty Deed, Transfer · Stand-Alone First Mortgage
FIRST HORIZON BANK
Dec 30, 2020Grant Deed, Transfer
FIRST INT'L TITLE
Sep 10, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY
Mar 9, 2017Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 15, 2023 · Amount on Record
Deed SaleMay 15, 2023 · Amount on Record
Prior SaleMay 12, 2022 · Amount on Record
Deed Document Number20232417930
Deed Book / Page3225 / 829
Prior Transfer DateDec 23, 2020
Prior Transfer Doc0030660677
Record UpdatedOct 29, 2026

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMay 15, 2023
Property Address81 SNAPPER LN # A, A, KEY LARGO, FL 33037-3744
Document Number0032250829
Book / Page3225 / 829
Map ReferenceMB 577 PG 77
Instrument DateMay 15, 2023
Instrument2417930
Transaction TypeTransfer
Record UpdatedJun 9, 2023
Title CompanyREECH TITLE COMPANY LLC, REEF TITLE COMPANY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$52,465.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7 MENDOTA LN, SEA RANCH LAKES, FL 33308-2316

Transferred To (Grantee/Buyer)

NameVerified Name
Address4711 S DOWNING ST, CHERRY HILLS, CO 80113-5917

Mortgage

Document Number0003225838
DateMay 15, 2023
Instrument3225/838
Lender
NameFIRST HORIZON BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2053
Interest
Rate TypeAdjustable Rate
Rate5.25%
Type Change DateJun 1, 2030
Change Frequency6 Months
Min Rate At Change2.75%
Max Rate At Change10.2%
IndexOther
Max Rate10.2%

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMay 12, 2022
Property Address81 SNAPPER LN # A, A, KEY LARGO, FL 33037-3744
Document Number0031730907
Book / Page3173 / 907
Map ReferenceMB 577 PG 77
Instrument DateMay 10, 2022
Instrument2375197
Transaction TypeTransfer
Record UpdatedJun 9, 2023
Title CompanyREEF TITLE COMPANY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$24,500.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4307 OCEAN FRONT AVE, VIRGINIA BEACH, VA 23451-2522

Transferred To (Grantee/Buyer)

NameVerified Name
Address7 MENDOTA LN, SEA RANCH LAKES, FL 33308-2316

Mortgage

Document Number0031730911
DateMay 12, 2022
Book Page3173/911
Instrument2375198
Lender
NameFIRST HORIZON BANK
TypeBank
AddressKEY LARGO, FL 33037
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

December 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMONROE FL
Recording DateDec 30, 2020
Property Address81 SNAPPER LN # A, A, KEY LARGO, FL 33037-3744
Document Number0030660677
Book / Page003066 / 000677
Instrument DateDec 23, 2020
Instrument2297370
Transaction TypeTransfer
Record UpdatedJan 21, 2021
Title CompanyFIRST INT'L TITLE

Transaction

AmountAmount Recorded
Tax$14,000.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address4387 OCEAN FRNT AVE LINCOLN MA 01773, LINCOLN, MA 01773

September 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateSep 10, 2018
Property Address81 SNAPPER LN # A, A, KEY LARGO, FL 33037-3744
Document Number0029260662
Book / Page002926 / 000662
Instrument DateAug 3, 2018
Instrument2185923
Transaction TypeTransfer
Record UpdatedNov 22, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address412 MAIN ST GROTON MA 014501232, GROTON, MA 01450-1232

March 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMONROE FL
Recording DateMar 9, 2017
Property Address81 SNAPPER LN # A, A, KEY LARGO, FL 33037-3744
Document Number0028421684
Book / Page002842 / 001684
Instrument DateMar 2, 2017
Instrument2113436
Transaction TypeTransfer
Record UpdatedJun 13, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$13,020.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address412 MAIN ST GROTON MA 014501232, GROTON, MA 01450-1232

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$44,670.00 (+3.75%)$6,547,537 (+126.13%) Building $6,547,537$6,547,537 (+126.13%) Building $6,547,537
2024$43,055.00 (+114.71%)
2023$20,053.00 (+33.98%)$2,895,466 (+14.47%) Building $2,895,466$2,895,466 (+14.47%) Building $2,895,466
2022$14,967.00$2,529,404 Building $2,529,404$2,529,404 Building $2,529,404

Assessed value is set for property tax purposes, not a market price estimate; it is 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 ZoneZone VE
high risk · coastal, wave action
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation13.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 838 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies1,585 units insured
incl. 747 condo units
Nearby Flood Claims78 (2005–2023)
Claims Outside the SFHA1 of 78
Most Recent ClaimNov 2023 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 73 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 RiskLow
lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 52 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Fiber		2,000 / 2,000
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20

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