326 Windley Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 326 Windley Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,028 sqft · built 2002
Lot Size	0.138 acres (6,000 sqft)
Owner	Company Name on File
Last Sale	$274,100 (Dec 2021)
Tax Bill	$843 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Dec 2021 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`00534970-000000`

Property Details

APN / Parcel Number

Primary APN	`00534970-000000`
Alternative APNs	`31604000534970000000` `1658472`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,028 sqft Living Area
1st Floor Area	2,028 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2015
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
View / Lot	Canal
Garage Type	Covered
Garage Area	312 sqft

Exterior Amenities

Porch	Slab
Porch Area	1,182 sqft
Patio Area	390 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1658472
Street Address	326 WINDLEY RD
City	KEY LARGO
State	FL
Zip	33037-3035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URM
Legal Description	BK 5 LT 4 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR547-1002 OR547-1001 OR1734-1029 OR1857-2112 OR3138-0237 OR3141-0377
Legal Range	40E
Legal Township	60S
Legal Section	31
Legal Subdivision	LAKE SURPRISE ESTATES
Legal Block	5
Legal Lot Number	4
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2000
Census Tract	972700

Owner

Source: Monroe County records · APN 00534970-000000

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

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

Owner of Record	Company Name on File
Mailing Address	326 WINDLEY RD, KEY LARGO, FL 33037-3035
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Dec 06, 2021	Warranty Deed, Transfer ACCOMMODATION
Nov 17, 2021	Warranty Deed, Transfer · Conventional Mortgage SPACE COAST CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 06, 2021 · Amount on Record
Deed Sale	Dec 06, 2021 · Amount on Record
Prior Sale	Nov 17, 2021 · Amount on Record
Deed Document Number	20212351288
Deed Book / Page	3141 / 377
Prior Transfer Date	Dec 02, 2021
Prior Transfer Doc	0031410377
Record Updated	Jun 08, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	326 WINDLEY RD, KEY LARGO, FL 33037-3035
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 WINDLEY RD, KEY LARGO, FL 33037-3035

Mortgage

Document Number	0030812249
Date	Mar 17, 2021
Book Page	3081/2249
Instrument	2308821

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 01, 2036

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 06, 2021
Property Address	326 WINDLEY RD, KEY LARGO, FL 33037-3035
Document Number	0031410377
Book / Page	3141 / 377
Map Reference	MB 4 PG 162
Instrument Date	Dec 02, 2021
Instrument	2351288
Transaction Type	Transfer
Record Updated	Jun 07, 2023
Title Company	ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$1,918.70
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	326 WINDLEY RD, KEY LARGO, FL 33037-3035

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 17, 2021
Property Address	326 WINDLEY RD, KEY LARGO, FL 33037-3035
Document Number	0031380237
Book / Page	3138 / 237
Map Reference	MB 4 PG 162
Instrument Date	Nov 02, 2021
Instrument	2349037
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ABSOLUTE TITLE GROUP INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$7,350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1228 GOLDEN CLUB CT, 1228, ORLANDO, FL 32825-5852

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8880 NW 172ND TER, MIAMI LAKES, FL 33018-6723

Mortgage

Document Number	0003138239
Date	Nov 17, 2021
Instrument	3138/239

Lender

Name	SPACE COAST CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$843.00 (+2.68%) Veteran's exemption	$909,764 (+5.99%)	$1,082,371 (+14.65%) Land $610,095 Building $472,276
2024	$821.00 (+11.55%)
2023	$736.00 (-89.17%) Homeowner's exemption	$858,374 (+3%)	$944,081 (+10.92%) Land $480,600 Building $463,481
2022	$6,797.00 Senior Citizen's exemption	$833,373	$851,173 Land $400,500 Building $450,673

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None 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 as of August 1, 2026 · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 301 locations within half a mile of this property.

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