308 Windley Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 308 Windley Rd, Key Largo, FL 33037

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 870 sqft · built 1971
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on Record
Last Sale	$395,000 (Nov 2018)
Tax Bill	$4,966 (2024)
Deeds & Mortgages	Nov 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00535000-000000`

Property Details

APN / Parcel Number

Primary APN	`00535000-000000`
Alternative APNs	`31604000535000000000` `1658502`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	870 sqft Living Area
1st Floor Area	870 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	100 ft deep x 60 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	506 sqft
Patio Area	150 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1658502
Old Parcel Number	31604000535000000000
Street Address	308 WINDLEY RD
City	KEY LARGO
State	FL
Zip	33037-3035
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	BK 5 LT 7 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR179-99 OR372-209 OR625-494Q OR783-1988 OR970-643 OR1016-1246 OR1092-351
Legal Range	40E
Legal Township	60S
Legal Section	31
Legal Subdivision	LAKE SURPRISE ESTATES
Legal Block	5
Legal Lot Number	7
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2000
Census Tract	972700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within John Pennekamp Coral Reef State Park and Reserve listed 1972 · 10 contributing resources · NRIS 72000340

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Monroe County records, as of December 5, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	15701 SW 20TH ST, MIRAMAR, FL 33027-4204
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2018 · Amount on Record
Deed Sale	Nov 5, 2018 · Amount on Record
Prior Sale	Sep 6, 2013 · Amount on Record
Deed Document Number	2193178
Deed Book / Page	2934 / 1656
Record Updated	Jun 8, 2026

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 5, 2018
Property Address	308 WINDLEY RD, KEY LARGO, FL 33037-3035
Document Number	0029341656
Book / Page	2934 / 1656
Map Reference	MB4 PG162
Instrument Date	Oct 11, 2018
Instrument	2193178
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	$2,765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1710 PARK ST, 1710, HUNTINGTON BEACH, CA 92648-2733

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15701 SW 20TH ST, MIRAMAR, FL 33027-4204

Mortgage

Document Number	0002193179
Date	Nov 5, 2018
Instrument	2193179

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	300 Months
Due	Nov 1, 2043

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Nov 1, 2023
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year CMT
Max Rate	11.2%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$686,581 (+24.35%) Land $610,095 Building $76,486	$686,581 (+24.35%) Land $610,095 Building $76,486
2024	$4,966.00 (+14.58%)
2023	$4,334.00 (+13.51%)	$552,119 (+17.19%) Land $480,600 Building $71,519	$552,119 (+17.19%) Land $480,600 Building $71,519
2022	$3,818.00	$471,145 Land $400,500 Building $70,645	$471,145 Land $400,500 Building $70,645

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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 433 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	660 units insured incl. 227 condo units
Nearby Flood Claims	80 (1999–2024)
Claims Outside the SFHA	1 of 80
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 11 claims Hurricane Irma, Sep 2017 · 33 claims Hurricane Wilma, Oct 2005 · 13 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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20