Monroe County property record for 98302 Windward Ave, Key Largo, FL 33037
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 778 sqft · built 1988 |
| Lot Size | 11.4 acres (500,221 sqft) |
| Owner | Individual Name on File |
| Last Sale | $465,000 (Sep 2025) |
| Tax Bill | $3,699 (2024) |
| Deeds & Mortgages | Sep 2025 Sale Jun 2022 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 00091104-001800 |
| Primary APN | 00091104-001800 |
|---|---|
| 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 | 8746521 |
|---|---|
| Old Parcel Number | 06623900091104001800 |
| Street Address | 98302 WINDWARD AVE |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2384 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | UNIT 9830-2 LANDINGS OF LARGO II A TOWNHOME CONDO PHASCE C OR1085-663 OR2129-1084 OR2657-155 OR3180-1548 |
| 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 |
98302 Windward Ave, a condominium, is owned by an individual who bought it in September 2025.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 9401 SW 20TH ST, MIAMI, FL 33165-7752 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 24, 2025 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Jun 21, 2022 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 24, 2025 · Amount on File |
| Deed Sale | Sep 24, 2025 · Amount on File |
| Prior Sale | Jun 21, 2022 · Amount on File |
| Deed Document Number | 2516370 |
| Deed Book / Page | 3346 / 464 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 24, 2025 |
| Property Address | 98302 WINDWARD AVE, KEY LARGO, FL 33037-2384 |
| Document Number | 0033460464 |
| Book / Page | 3346 / 464 |
| Map Reference | MB 829 PG 238 |
| Instrument Date | Sep 23, 2025 |
| Instrument | 2516370 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $3,255.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8953 NW 174TH ST, HIALEAH, FL 33018-6696 |
| Name | Verified Name |
|---|---|
| Address | 9401 SW 20TH ST, MIAMI, FL 33165-7752 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jun 21, 2022 |
| Property Address | 98302 WINDWARD AVE, KEY LARGO, FL 33037-2384 |
| Document Number | 0031801548 |
| Book / Page | 3180 / 1548 |
| Map Reference | MB 1029 PG 884 |
| Instrument Date | Jun 17, 2022 |
| Instrument | 2380834 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2022 |
| Title Company | NOT AVAILABLE, BANKERS T&E SVCS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,940.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 29111 SW 165TH AVE, 29111, HOMESTEAD, FL 33033-2105 |
| Name | Verified Name |
|---|---|
| Address | 8953 NW 174TH ST, HIALEAH, FL 33018-6696 |
| Document Number | 0031801551 |
|---|---|
| Date | Jun 21, 2022 |
| Instrument | 3180/1551 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Jul 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10% |
| Index | 1-Year CMT |
| Max Rate | 10% |
Source: Monroe County assessment roll, as of July 1, 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 | $393,795 (+2.91%) Building $393,795 | $393,795 (+2.91%) Building $393,795 | |
| 2024 | $3,699.00 (+10.62%) | $382,654 (+11.56%) Building $382,654 | $382,654 (+11.56%) Building $382,654 |
| 2023 | $3,344.00 (+27.63%) | $343,004 (+15.21%) Building $343,004 | $343,004 (+15.21%) Building $343,004 |
| 2022 | $2,620.00 | $297,722 Building $297,722 | $297,722 Building $297,722 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 98302 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 98302 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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