Monroe County property record for 95 E Lake Rd, Key Largo, FL 33037 · Last verified December 2025
| Property Type | Residential Vacant Land |
|---|---|
| Details | 2 bd · 2 ba · 2,020 sqft · built 1988 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,600,000 (Oct 2016) |
| Tax Bill | $12,434 (2024) |
| Deeds & Mortgages | May 2022 Mortgage May 2022 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 00080020-000295 |
| Primary APN | 00080020-000295 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,020 sqft |
| 1st Floor Area | 2,009 sqft |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Wood |
| Lot Area | 2,178 sqft (0.05 acres) |
| Porch | Porch |
| Porch Area | 574 sqft |
| Patio Area | 2,000 sqft |
| Cooling System | HVAC |
|---|
| Account Number | 8753080 |
|---|---|
| Old Parcel Number | 13594000080020000295 |
| Street Address | 95 E LAKE RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3608 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | ANGLERS CLUB CONDOMINIUM UNIT 95 OR1082-399 OR1350-826DC OR2066-849/50AFF OR2066-851/53 OR2819-2055/57 |
| Legal Range | 40E |
| Legal Township | 59S |
| Legal Section | 13 |
| Legal Subdivision | ANGLERS CLUB CONDO |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3041 |
| Census Tract | 972700 |
Source: Monroe County records · APN 00080020-000295
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 95 E LAKE RD, KEY LARGO, FL 33037-3608 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK |
| May 27, 2022 | Deed of Trust, Mortgage · Line of Credit IBERIABANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 12, 2016 · Amount on Record |
| Deed Sale | Oct 12, 2016 · Amount on Record |
| Prior Sale | Dec 14, 2004 · Amount on Record |
| Deed Document Number | 2094999 |
| Deed Book / Page | 2819 / 2055 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 95 E LAKE RD, KEY LARGO, FL 33037-3608 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 95 E LAKE RD, KEY LARGO, FL 33037-3608 |
| Document Number | 0031760856 |
|---|---|
| Date | May 27, 2022 |
| Book Page | 3176/856 |
| Instrument | 2377465 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Jun 01, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.75% |
| Index | Other |
| Max Rate | 8.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 95 E LAKE RD, KEY LARGO, FL 33037-3608 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 95 E LAKE RD, KEY LARGO, FL 33037-3608 |
| Document Number | 0031760873 |
|---|---|
| Date | May 27, 2022 |
| Book Page | 3176/873 |
| Instrument | 2377466 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Address | KEY LARGO, FL 33037 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 20, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,869,689 (-1.81%) | $2,926,688 (+35.87%) Land $2,926,688 | |
| 2024 | $12,434.00 (-4.92%) | ||
| 2023 | $13,077.00 (+4.73%) Homeowner's exemption | $1,904,080 (+3%) | $2,154,084 (+16.52%) Land $1,514,255 Building $639,829 |
| 2022 | $12,486.00 Homeowner's exemption | $1,848,622 Land $1,201,712 Building $646,910 | $1,848,622 Land $1,201,712 Building $646,910 |
Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 11.0 ft |
| Wildfire Risk | Low above 38% of the US · above 12% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,563 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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