60 Waterways Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 60 Waterways Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,735 sqft · built 1993
Lot Size	0.114 acres (4,950 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,653 (2024)
Deeds & Mortgages	Feb 2017 Mortgage Sep 2020 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`00529860-000000`

Property Details

APN / Parcel Number

Primary APN	`00529860-000000`
Alternative APNs	`28613900529860000000` `1649082`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,735 sqft Living Area
1st Floor Area	1,249 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	4,950 sqft (0.114 acres)
View / Lot	Canal
Garage Type	Covered
Garage Area	275 sqft
Porch	Florida Room
Porch Area	1,109 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1649082
Street Address	60 WATERWAYS DR
City	KEY LARGO
State	FL
Zip	33037-2552
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 2 LT 9 SUNSET WATERWAYS PB4-31 KEY LARGO OR536-618 OR819-1207 OR1137-803 OR1139-1654 OR2520-22/23 OR2728-344 OR2916-1336/37 OR2945-0335 OR3044-2237
Legal Range	39E
Legal Township	61S
Legal Section	28
Legal Subdivision	SUNSET WATERWAYS
Legal Block	2
Legal Lot Number	9
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1023
Census Tract	970400

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

60 Waterways Dr is owned by two individuals who acquired it in September 2020.

Source: Monroe County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	7345 SW 133RD TER, PINECREST, FL 33156-6833
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage AFI FINANCIAL INC
Sep 18, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage SOUTH STATE BANK
Jul 11, 2018	Warranty Deed, Transfer · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC
Jan 17, 2019	Correction Deed, Transfer SECURITY TITLE COMPANY, SECURITY TITLE CO
Jan 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage FAHEY BKNG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2020
Deed Sale	Sep 18, 2020
Prior Sale	Jan 17, 2019 · Amount on File
Deed Document Number	20202282360
Deed Book / Page	3044 / 2237
Prior Transfer Date	Sep 11, 2020
Prior Transfer Doc	0030442237
Record Updated	Jun 8, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	60 WATERWAYS DR, KEY LARGO, FL 33037-2552
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028371694
Date	Feb 2, 2017
Book Page	2837/1694
Instrument	2109162

Lender

Name	AFI FINANCIAL INC
Type	Mortgage Company
Address	BOCA RATON, FL 33428

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Sep 18, 2020
Property Address	60 WATERWAYS DR, KEY LARGO, FL 33037-2552
Document Number	0030442237
Book / Page	3044 / 2237
Map Reference	MB 4 PG 31
Instrument Date	Sep 11, 2020
Instrument	2282360
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7345 SW 133RD TER, PINECREST, FL 33156-6833

Mortgage

Document Number	0030442239
Date	Sep 18, 2020
Instrument	3044/2239

Lender

Name	SOUTH STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 11, 2018
Property Address	60 WATERWAYS DR, KEY LARGO, FL 33037-2552
Document Number	0029161336
Book / Page	2916 / 1336
Map Reference	MB4 PG31
Instrument Date	May 26, 2018
Instrument	2177559
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	SECURITY TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5841 SW 94TH CT, MIAMI, FL 33173-1516
Investor	Possibly a Property Investor

Mortgage

Document Number	0002177558
Date	Jul 11, 2018
Instrument	2177558

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2048

January 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	MONROE FL
Recording Date	Jan 17, 2019
Property Address	60 WATERWAYS DR, KEY LARGO, FL 33037-2552
Document Number	0029450335
Book / Page	002945 / 000335
Instrument Date	May 26, 2018
Instrument	2202287
Transaction Type	Transfer
Record Updated	Mar 1, 2019
Title Company	SECURITY TITLE COMPANY, SECURITY TITLE CO

Transaction

Amount	Amount on Record
Tax	$3,850.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5841 SW 94TH CT MIAMI FL 331731516, MIAMI, FL 33173-1516

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	60 WATERWAYS DR, KEY LARGO, FL 33037-2552
Document Number	0028901457
Book / Page	002890 / 001457
Instrument Date	Jan 22, 2018
Transaction Type	Mortgage
Record Updated	Feb 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	268 ASHBOURNE PL BEXLEY OH 432091449, BEXLEY, OH 43209-1449

Mortgage

Document Number	0028901457
Date	Feb 6, 2018
Book Page	002890/001457
Instrument	2154150

Lender

Name	FAHEY BKNG
Type	Funding / Finance Company
Address	MARION, OH 43302-3072

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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		$915,944 Land $547,371 Building $368,573	$915,944 Land $547,371 Building $368,573
2024	$6,653.00 (+5.84%)
2023	$6,286.00 (+17.72%)	$892,942 (+25.72%) Land $536,085 Building $356,857	$892,942 (+25.72%) Land $536,085 Building $356,857
2022	$5,340.00	$710,269 Land $451,440 Building $258,829	$710,269 Land $451,440 Building $258,829

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

Flood

FEMA maps place 60 Waterways Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File median of 147 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	151 units insured incl. 4 condo units
Nearby Flood Claims	160 (1979–2022)
Claims Outside the SFHA	3 of 160
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 28 claims Hurricane Wilma, Oct 2005 · 75 claims Hurricane Irene, Oct 1999 · 14 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

Wildfire risk around 60 Waterways Dr is moderate, ranking above 40% of the US, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.04% 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 380 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: T-Mobile.

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