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64 Waterways Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 64 Waterways Dr, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details3 bd · 4 ba · 3,309 sqft · built 2020
Lot Size0.172 acres (7,500 sqft)
OwnerIndividual Name on Record
Last Sale$1,385,000 (Sep 2021)
Tax Bill$11,461 (2024)
Deeds & MortgagesSep 2021 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00529840-000000

Property Details

APN / Parcel Number

Primary APN00529840-000000
Alternative APNs
  • 28613900529840000000
  • 1649066

Interior

Bedrooms3 Beds
Full Baths4 Baths
Half Baths2 Half Baths
Stories3 Stories
Building Area3,309 sqft Living Area
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Exterior MaterialOther
Foundation TypePile
Roof TypeReinforced Concrete
Roof MaterialOther
Lot Area7,500 sqft (0.172 acres)
Lot Dimensions100 ft deep x 75 ft wide
Garage Area220 sqft
PorchOpen Porch
Patio Area2,108 sqft

Utilities, Heating & Cooling

Heating SystemForced Air

Location & Zoning

Account Number1649066
Old Parcel Number28613900529840000000
Street Address64 WATERWAYS DR
CityKEY LARGO
StateFL
Zip33037-2552
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 2 LT 7 SUNSET WATERWAYS PB4-31 KEY LARGO OR536-618 OR811-1493 OR2523-655 OR2523-659 OR2561-1170 OR3125-1957
Legal Range39E
Legal Township61S
Legal Section28
Legal SubdivisionSUNSET WATERWAYS
Legal Block2
Legal Lot Number7
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group1
Census Block1023
Census Tract970400

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 December 5, 2025

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 RecordIndividual Name on Record
Mailing Address518 HIBISCUS DR, HALLANDALE BEACH, FL 33009-6510
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 15, 2021 · Amount on Record
Deed SaleSep 15, 2021 · Amount on Record
Prior SaleMar 23, 2012 · Amount on Record
Deed Document Number2339668
Deed Book / Page3125 / 1957
Record UpdatedJun 8, 2026

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateSep 15, 2021
Property Address64 WATERWAYS DR, KEY LARGO, FL 33037-2552
Document Number0031251957
Book / Page3125 / 1957
Map ReferenceMB 4 PG 31
Instrument DateSep 14, 2021
Instrument2339668
Transaction TypeTransfer
Record UpdatedOct 1, 2021
Title CompanyFLORIDIAN TITLE LLC, FLORIDA TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$9,695.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3462 NE 171ST ST, 3462, NORTH MIAMI BEACH, FL 33160-3017

Transferred To (Grantee/Buyer)

NameVerified Name
Address518 HIBISCUS DR, HALLANDALE BEACH, FL 33009-6510

Mortgage

Document Number31251959
DateSep 15, 2021
Instrument3125/1959
Lender
NameALLY BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2051

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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$1,363,451 (+4.48%) Land $549,990 Building $813,461$1,363,451 (+4.48%) Land $549,990 Building $813,461
2024$11,461.00 (+3.48%)
2023$11,076.00 (+11.16%)$1,304,937 (+7.96%) Land $538,650 Building $766,287$1,304,937 (+7.96%) Land $538,650 Building $766,287
2022$9,964.00$1,208,697 Land $453,600 Building $755,097$1,208,697 Land $453,600 Building $755,097

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 147 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies151 units insured
incl. 4 condo units
Nearby Flood Claims160 (1979–2022)
Claims Outside the SFHA3 of 160
Most Recent ClaimSep 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

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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