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63 Waterways Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 63 Waterways Dr, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,844 sqft · built 1995
Lot Size0.137 acres (5,970 sqft)
Owner2 Individual Names on Record
Last Sale$1,450,000 (Feb 2025)
Tax Bill$8,373 (2024)
Deeds & MortgagesMar 2026 Mortgage
Jul 2021 Sale
Flood ZoneZone AE (high risk)
APN00529800-000000

Property Details

APN / Parcel Number

Primary APN00529800-000000
Alternative APNs
  • 28613900529800000000
  • 1649023

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories4 Stories
Building Area2,844 sqft Living Area
1st Floor Area1,776 sqft
AtticAttic
Attic Area288 sqft
Basement Area600 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 2015
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Foundation TypePile
Roof TypeReinforced Concrete
Roof MaterialTile
Lot Area5,970 sqft (0.137 acres)
Garage TypeCarport
Garage Area288 sqft
CarportCarport
Carport Area288 sqft

Exterior Amenities

PorchFlorida Room
Porch Area936 sqft
Patio Area612 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1649023
Street Address63 WATERWAYS DR
CityKEY LARGO
StateFL
Zip33037-2537
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 2 LT 4 SUNSET WATERWAYS PB4-31 KEY LARGO OR536-618 OR816-2452 OR877-1455 OR1130-1099 OR1167-2129 OR1411-2449 OR1423-1800 OR1582-166 OR1582-167 OR1618-1891 OR1783-170/71 OR1783-172/73 OR1783-181 OR1925-2217/18 OR2763-1347 OR3114-0744
Legal Range39E
Legal Township61S
Legal Section28
Legal SubdivisionSUNSET WATERWAYS
Legal Block2
Legal Lot Number4
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group1
Census Block1001
Census Tract970500

Historic Designation

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

Owner

Source: Monroe County records, as of March 24, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address63 WATERWAYS DR, KEY LARGO, FL 33037-2537
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants in Common

Deeds, Mortgages & Sale History

DateDocument
Mar 16, 2026Deed of Trust, Mortgage · Conventional Mortgage
ANGEL OAK MORTGAGE SOLUTIONS LLC
Jul 21, 2021Warranty Deed, Transfer
BEST TITLE SOLUTIONS INC, STAR TITLE SOLUTIONS INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 5, 2025 · Amount on Record
Deed SaleFeb 5, 2025 · Amount on Record
Prior SaleJul 21, 2021 · Amount on Record
Deed Document Number20252488806
Deed Book / Page3310 / 1693
Record UpdatedOct 29, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address63 WATERWAYS DR, KEY LARGO, FL 33037-2537
Transaction TypeMortgage
Record UpdatedApr 17, 2026
Title CompanyWWT

Transferred To (Grantee/Buyer)

NameVerified Name
Address63 WATERWAYS DR, KEY LARGO, FL 33037-2537

Mortgage

Document Number0033710366
DateMar 16, 2026
Book Page3371/366
Instrument2535805
Lender
NameANGEL OAK MORTGAGE SOLUTIONS LLC
TypeMortgage Company
AddressATLANTA, GA 30328
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2056

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJul 21, 2021
Property Address63 WATERWAYS DR, KEY LARGO, FL 33037-2537
Document Number0031140744
Book / Page3114 / 744
Map ReferenceMB 4 PG 31
Instrument DateJul 16, 2021
Instrument2331380
Transaction TypeTransfer
Record UpdatedAug 11, 2021
Title CompanyBEST TITLE SOLUTIONS INC, STAR TITLE SOLUTIONS INC

Transaction

AmountAmount Recorded
Tax$7,000.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address11451 SW 102ND ST, 11451, MIAMI, FL 33176-2589

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 144972, CORAL GABLES, FL 33114-4972

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,030,105 (+5.99%)$1,199,726 (+15.23%) Land $726,519 Building $473,207
2024$8,373.00 (+3.26%)
2023$8,109.00 (+6.32%) Homeowner's exemption$971,917 (+3%)$1,041,163 (+10.34%) Land $646,551 Building $394,612
2022$7,627.00 Homeowner's exemption$943,609 Land $544,464 Building $399,145$943,609 Land $544,464 Building $399,145

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 177 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies204 units insured
incl. 27 condo units
Nearby Flood Claims50 (1984–2025)
Claims Outside the SFHA8 of 50
Most Recent ClaimJun 2025 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 8 claims
  • Hurricane Wilma, Oct 2005 · 20 claims
  • Hurricane Georges, Sep 1998 · 9 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 RiskModerate
above 40% of the US · lower than 87% of Florida
Wildfire Likelihood0.04% annual chance
ExposureNone
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

ProviderMax 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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