338 Windley Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 338 Windley Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 2002
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on Record
Last Sale	$1,100,000 (Nov 2025)
Tax Bill	$7,499 (2024)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00534950-000000`

Property Details

APN / Parcel Number

Primary APN	`00534950-000000`
Alternative APNs	`31604000534950000000` `1658456`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	936 sqft

Exterior Amenities

Pool Area	364 sqft
Porch	Open Porch
Porch Area	212 sqft
Patio Area	16 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	1658456
Old Parcel Number	31604000534950000000
Street Address	338 WINDLEY RD
City	KEY LARGO
State	FL
Zip	33037-3035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 5 LT 2 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR179-99 OR372-209 OR779-1110 OR803-1183 OR1734-1054 OR2465-834/35
Legal Range	40E
Legal Township	60S
Legal Section	31
Legal Subdivision	LAKE SURPRISE ESTATES
Legal Block	5
Legal Lot Number	2
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	338 WINDLEY RD, KEY LARGO, FL 33037-3035
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2025 · Amount on Record
Deed Sale	Nov 6, 2025 · Amount on Record
Prior Sale	May 12, 2010 · Amount on Record
Deed Document Number	2521272
Deed Book / Page	3352 / 1397
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 6, 2025
Property Address	338 WINDLEY RD, KEY LARGO, FL 33037-3035
Document Number	0033521397
Book / Page	3352 / 1397
Map Reference	MB 4 PG 162
Instrument Date	Nov 5, 2025
Instrument	2521272
Transaction Type	Transfer
Record Updated	Dec 8, 2025
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16200 SW 283RD ST, HOMESTEAD, FL 33033-1017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	338 WINDLEY RD, KEY LARGO, FL 33037-3035

Mortgage

Document Number	0033521399
Date	Nov 6, 2025
Instrument	3352/1399

Lender

Name	SOUTH STATE BANK NATIONAL ASSOCIATI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

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		$1,026,554 (+15.76%) Land $610,095 Building $416,459	$1,026,554 (+15.76%) Land $610,095 Building $416,459
2024	$7,499.00 (+11.66%)
2023	$6,716.00 (+12.1%)	$886,808 (+10.71%) Land $480,600 Building $406,208	$886,808 (+10.71%) Land $480,600 Building $406,208
2022	$5,991.00	$800,997 Land $400,500 Building $400,497	$800,997 Land $400,500 Building $400,497

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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None 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 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