Monroe County property record for 98221 Windward Ave, Key Largo, FL 33037
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 778 sqft · built 1988 |
| Lot Size | 11 acres (500,221 sqft) |
| Owner | Company Name on Record |
| Last Sale | $7,242 (Aug 2020) |
| Tax Bill | $3,570 (2025) |
| Deeds & Mortgages | Sep 2026 Transfer Nov 2020 Mortgage + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 00091104-000900 |
| Primary APN | 00091104-000900 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 778 sqft Living Area |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Condo/Apartment |
| Lot Area | 500,221 sqft (11 acres) |
| Account Number | 8746318 |
|---|---|
| Street Address | 98221 WINDWARD AVE |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2376 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | UR |
| Legal Description | LANDINGS OF LARGO II, A TOWNHOME CONDO UNIT 9822-1 PHASE C OR1089-2342/43 OR1129-988 OR1129-989AFF OR1484-2261/62 OR1706-2105 OR1804-55 OR2901-2080/81 OR3037-2463 |
| Legal Range | 39E |
| Legal Township | 62S |
| Legal Section | 06 |
| Legal Subdivision | LANDINGS LARGO 02 TWNHMS PH C |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 970600 |
Source: Monroe County records, as of September 11, 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 Record |
|---|---|
| Mailing Address | PO BOX 660786, MIAMI SPRINGS, FL 33266-0786 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Sep 1, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Nov 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage 1ST FINANCIAL INC |
| Dec 11, 2020 | Deed of Trust, Mortgage · SBA Mortgage BYLINE BANK |
| Aug 17, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Apr 18, 2018 | Warranty Deed, Transfer · Conventional Mortgage QUAINT OAK MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 17, 2020 · Amount on Record |
| Deed Sale | Aug 17, 2020 · Amount on Record |
| Prior Sale | Apr 18, 2018 · Amount on Record |
| Deed Document Number | 20202277628 |
| Deed Book / Page | 3037 / 2463 |
| Last Transfer Date | Aug 25, 2026 |
| Transfer Doc | 0002559043 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 1, 2026 |
| Property Address | 98221 WINDWARD AVE, KEY LARGO, FL 33037-2376 |
| Document Number | 0002559043 |
| Book / Page | 3400 / 1378 |
| Instrument Date | Aug 25, 2026 |
| Instrument | 20262559043 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 98221 WINDWARD AVE, KEY LARGO, FL 33037-2376 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4464 SW 158TH AVE, MIAMI, FL 33185-4597 |
| Document Number | 0030561447 |
|---|---|
| Date | Nov 13, 2020 |
| Book Page | 3056/1447 |
| Instrument | 2290688 |
| Name | 1ST FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 98221 WINDWARD AVE, KEY LARGO, FL 33037-2376 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4464 SW 158TH AVE, MIAMI, FL 33185-4597 |
| Document Number | 0030620368 |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 3062/368 |
| Instrument | 2294586 |
| Name | BYLINE BANK |
|---|---|
| Type | Bank |
| Address | SCHAUMBURG, IL 60173 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 17, 2020 |
| Property Address | 98221 WINDWARD AVE, KEY LARGO, FL 33037-2376 |
| Document Number | 0030372463 |
| Book / Page | 003037 / 002463 |
| Instrument Date | Aug 1, 2020 |
| Instrument | 2277628 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4464 SW 158TH AVE MIAMI FL 331854597, MIAMI, FL 33185-4597 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 18, 2018 |
| Property Address | 98221 WINDWARD AVE, KEY LARGO, FL 33037-2376 |
| Document Number | 0029012080 |
| Book / Page | 2901 / 2080 |
| Map Reference | MB1029 PG884 |
| Instrument Date | Apr 6, 2018 |
| Instrument | 2164835 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Title Company | WINDMILL TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,715.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 5900 COLLINS AVE APT 1606, 5900, MIAMI BEACH, FL 33140-2242 |
| Name | Verified Name |
|---|---|
| Address | 1368 SW 119TH CT, MIAMI, FL 33184 |
| Investor | Possibly a Property Investor |
| Document Number | 0002164836 |
|---|---|
| Date | Apr 18, 2018 |
| Instrument | 2164836 |
| Name | QUAINT OAK MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2048 |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,570.00 (+9.07%) | $398,735 (+18.07%) Building $398,735 | $398,735 (+18.07%) Building $398,735 |
| 2024 | $3,273.00 (+10.69%) | ||
| 2023 | $2,957.00 (+11.25%) | $337,714 (+11.69%) Building $337,714 | $337,714 (+11.69%) Building $337,714 |
| 2022 | $2,658.00 | $302,372 Building $302,372 | $302,372 Building $302,372 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 425 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 957 units insured incl. 532 condo units |
| Nearby Flood Claims | 227 (1982–2022) |
| Claims Outside the SFHA | 13 of 227 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 225 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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