98321 Windward Ave, Key Largo, FL 33037 Property Records

Monroe County property record for 98321 Windward Ave, Key Largo, FL 33037

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 778 sqft · built 1988
Lot Size	11 acres (500,221 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Mar 2020)
Tax Bill	$3,609 (2025)
Deeds & Mortgages	Mar 2020 Sale
Flood Zone	Zone X (moderate risk)
APN	`00091104-001900`

Property Details

APN / Parcel Number

Primary APN	`00091104-001900`
Alternative APN	`8746539`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	778 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Condo/Apartment
Lot Area	500,221 sqft (11 acres)

Location & Zoning

Account Number	8746539
Street Address	98321 WINDWARD AVE
City	KEY LARGO
State	FL
Zip	33037-2384
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	UR
Legal Description	UNIT 9832-1 LANDINGS OF LARGO II A TOWNHOME CONDO PHASE C OR1064-2139/2140 OR1120-225D/C OR1124-1247/49WILL OR1132-197/98 OR1150-2248ORD OR1344-1228/29 OR1457-1341AFF OR1457-1342/43 OR1628-1254 OR1968-1084/85 OR2159-746 OR2529-723 OR3013-1213
Legal Range	39E
Legal Township	62S
Legal Section	06
Legal Subdivision	LANDINGS LARGO 02 TWNHMS PH C
Legal Lot Number	98321
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2023
Census Tract	970600

Owner

Source: Monroe County records, as of September 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	98321 WINDWARD AVE, KEY LARGO, FL 33037-2384
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2020 · Amount on Record
Deed Sale	Mar 12, 2020 · Amount on Record
Prior Sale	Aug 5, 2011 · Amount on Record
Deed Document Number	20202259827
Deed Book / Page	3013 / 1213
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 12, 2020
Property Address	98321 WINDWARD AVE, KEY LARGO, FL 33037-2384
Document Number	0030131213
Book / Page	003013 / 001213
Instrument Date	Mar 12, 2020
Instrument	2259827
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Transaction

Amount	Amount Recorded
Tax	$2,030.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1648 HARRIMAN RD UNITYVILLE PA 177749154, UNITYVILLE, PA 17774-9154

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,609.00 (+2.24%) Homeowner's exemption	$398,735 (+11.41%) Building $398,735	$398,735 (+11.41%) Building $398,735
2024	$3,530.00 (+14.02%)
2023	$3,096.00 (+11.33%)	$357,884 (+11.61%) Building $357,884	$357,884 (+11.61%) Building $357,884
2022	$2,781.00	$320,645 Building $320,645	$320,645 Building $320,645

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 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	Hurricane Irma, Sep 2017 · 156 claims Hurricane Irene, Oct 1999 · 11 claims Hurricane Georges, Sep 1998 · 30 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 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.

Internet Providers

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