Monroe County property record for 98281 Windward Ave, Key Largo, FL 33037 · Last verified December 2025
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 778 sqft · built 1988 |
| Lot Size | 11.4 acres (500,221 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $249,000 (Oct 2003) |
| Tax Bill | $3,273 (2024) |
| Flood Zone | Zone X (moderate risk) |
| APN | 00091104-001500 |
| Primary APN | 00091104-001500 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 778 sqft Living Area |
| Year Built | Built 1988 |
|---|---|
| Lot Area | 500,221 sqft |
| Account Number | 8746458 |
|---|---|
| Old Parcel Number | 06623900091104001500 |
| Street Address | 98281 WINDWARD AVE |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2378 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | LANDINGS OF LARGO II, A TOWNHOME CONDO UNIT 9828-1 PHASE C & 1/96% COMMON ELEMENTS OR1064-2175/2176 OR1624-57/58 |
| 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 · APN 00091104-001500
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 20 CLUBHOUSE LN, NESCONSET, NY 11767-2702 |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 16, 2003 · Amount on Record |
| Deed Sale | Oct 16, 2003 · Amount on Record |
| Prior Sale | Oct 16, 2003 |
| Deed Document Number | 1402441 |
| Deed Book / Page | 1941 / 1404 |
| Record Updated | Jun 08, 2026 |
Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $376,163 (+11.39%) Building $376,163 | $376,163 (+11.39%) Building $376,163 | |
| 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 |
Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879706002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 425 individual NFIP policies nearby |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 957 units insured 532 under condo master policies |
| Nearby Flood Claims | 227 (1982–2022) |
| Claims Outside the SFHA | 13 of 227 |
| Most Recent Claim | Sep 2022, other causes, Hurricane Ian |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 225 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Xfinity | Cable | 2,000 / 250 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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