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320 Windley Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 320 Windley Rd, Key Largo, FL 33037 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,448 sqft · built 2014
Lot Size0.138 acres (6,000 sqft)
OwnerIndividual Name on File
Last Sale$790,000 (Sep 2020)
Tax Bill$9,712 (2024)
Deeds & MortgagesSep 2021 Mortgage
Sep 2020 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00534980-000000

Property Details

APN / Parcel Number

Primary APN00534980-000000
Alternative APNs
  • 31604000534980000000
  • 1658481

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,448 sqft Living Area
Gross Area1,768 sqft
1st Floor Area1,448 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2014
Effective Year BuiltEffective 2015
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area6,000 sqft (0.138 acres)
Lot Dimensions100 ft deep x 60 ft wide
View / LotCanal
Garage TypeAttached
Garage Area320 sqft

Exterior Amenities

PorchOpen Porch
Porch Area559 sqft
Deck Area600 sqft
Patio Area725 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1658481
Street Address320 WINDLEY RD
CityKEY LARGO
StateFL
Zip33037-3035
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 5 LT 5 LAKE SURPRISE ESTATES KEY LARGO PB4-162 KEY LARGO OR179-99 OR372-209 OR611-760 OR611-759 OR1073-1451 OR1077-1453 OR1123-3 OR1306-591 OR1478-630 OR1897-1614 OR2550-1237 OR2562-1823 OR2706-376 OR2745-1267 OR3044-2477 OR3125-1028
Legal Range40E
Legal Township60S
Legal Section31
Legal SubdivisionLAKE SURPRISE ESTATES
Legal Block5
Legal Lot Number5
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2000
Census Tract972700

Owner

Source: Monroe County records · APN 00534980-000000

Assessment roll updated December 8, 2025 · Last verified April 2026

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

Owner of RecordIndividual Name on File
Mailing Address4260 SW 99TH CT, MIAMI, FL 33165-5050
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 14, 2021Intrafamily Transfer, Transfer · Conventional Mortgage
MY MORTGAGE INC
Sep 18, 2020Warranty Deed, Transfer · Conventional Mortgage
AURELIO & MARIA GUZMAN

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 18, 2020 · Amount on Record
Deed SaleSep 18, 2020 · Amount on Record
Prior SaleJun 12, 2015 · Amount on Record
Deed Document Number20202282439
Deed Book / Page3044 / 2477
Last Transfer DateAug 27, 2021
Transfer Doc0031251028
Record UpdatedJun 08, 2026

September 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateSep 14, 2021
Property Address320 WINDLEY RD, KEY LARGO, FL 33037
Document Number0031251028
Book / Page3125 / 1028
Map ReferenceMB 4 PG 162
Instrument DateAug 27, 2021
Instrument2339455
Transaction TypeTransfer
Record UpdatedJul 29, 2022
Title CompanyPRONTO TITLES LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 655311, MIAMI, FL 33265-5311

Transferred To (Grantee/Buyer)

NameVerified Name
Address4260 SW 99TH CT, MIAMI, FL 33165-5050

Mortgage

Document Number0031251030
DateSep 14, 2021
Instrument3125/1030
Lender
NameMY MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2051

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateSep 18, 2020
Property Address320 WINDLEY RD, KEY LARGO, FL 33037
Document Number0030442477
Book / Page003044 / 002477
Instrument DateSep 14, 2020
Instrument2282439
Transaction TypeTransfer
Record UpdatedOct 05, 2020
Title CompanySOVEREIGN TITLE COMPANY, SOVEREIGN TITLE & TRUST CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$5,530.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 655311 MIAMI FL 332655311, MIAMI, FL 33265-5311

Mortgage

Document Number30442479
DateSep 18, 2020
Book Page003044/002479
Instrument2282440
Lender
NameAURELIO & MARIA GUZMAN
Address19270 SW 167TH AVE, MIAMI, FL 33187-2700
Special NotesSeller Financed
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term36 Months
DueSep 17, 2023

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$1,269,554 (+27.22%) Land $685,500 Building $584,054$1,269,554 (+27.22%) Land $685,500 Building $584,054
2024$9,712.00 (+15.94%)
2023$8,377.00 (+11.99%)$997,894 (+8.57%) Land $480,600 Building $517,294$997,894 (+8.57%) Land $480,600 Building $517,294
2022$7,480.00$919,166 Land $400,500 Building $518,666$919,166 Land $400,500 Building $518,666

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879727002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 433 individual NFIP policies nearby
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies660 units insured
227 under condo master policies
Nearby Flood Claims80 (1999–2024)
Claims Outside the SFHA1 of 80
Most Recent ClaimOct 2024, rainfall accumulation, Hurricane Milton
Claims By Storm
  • Hurricane Ian, Sep 2022 · 11 claims
  • Hurricane Irma, Sep 2017 · 33 claims
  • Hurricane Wilma, Oct 2005 · 13 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Listed AreaWithin 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 301 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
AT&TDSL100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

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