Monroe County property record for 98261 Windward Ave, Key Largo, FL 33037
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 845 sqft · built 1988 |
| Owner | 2 Individual Names on File |
| Last Sale | $500,000 (Jul 2024) |
| Tax Bill | $3,757 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 00091104-001300 |
| Primary APN | 00091104-001300 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 845 sqft Living Area |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Condo/Apartment |
| Account Number | 8746415 |
|---|---|
| Street Address | 98261 WINDWARD AVE |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2377 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | UNIT 9826-1 LANDINGS OF LARGO II A TOWNHOME CONDO PHASE C OR1067-291 OR1296-1438 OR1590-1494 OR1650-402 OR1985-79 OR2446-1045 OR2468-254 OR2468-256 OR2522-1051 OR2600-785 OR2624-1096 OR2756-1131 OR2759-1441 OR2759-1445 OR3284-2177 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 970600 |
98261 Windward Ave, a condominium, is owned and occupied by two individuals who bought it in July 2024.
Source: Monroe County records, as of July 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 98261 WINDWARD AVE, KEY LARGO, FL 33037-2377 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 16, 2024 · Amount on File |
| Deed Sale | Jul 16, 2024 · Amount on File |
| Prior Sale | Dec 29, 2009 |
| Deed Document Number | 20242468474 |
| Deed Book / Page | 3284 / 2177 |
| Prior Transfer Date | Aug 28, 2015 |
| Prior Transfer Doc | 0002044634 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 98261 Windward Ave was $3,757, up 48.9% from the year before.
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 | $3,757.00 (+48.91%) | $417,076 Building $417,076 | $417,076 Building $417,076 |
| 2024 | $2,523.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 98261 Windward Ave in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 File 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.
Wildfire risk around 98261 Windward Ave is low, with less than a 0.01% annual chance of wildfire.
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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