98342 Windward Ave, Key Largo, FL 33037 Property Records

Monroe County property record for 98342 Windward Ave, Key Largo, FL 33037

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 778 sqft · built 1988
Lot Size	11.4 acres (500,221 sqft)
Owner	Individual Name on Record
Last Sale	$430,000 (Sep 2023)
Tax Bill	$3,550 (2024)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`00091104-002200`

Property Details

APN / Parcel Number

Primary APN	`00091104-002200`
Alternative APNs	`06623900091104002200` `8746598`

Interior

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

Exterior

Year Built	Built 1988
Lot Area	500,221 sqft

Location & Zoning

Account Number	8746598
Old Parcel Number	06623900091104002200
Street Address	98342 WINDWARD AVE
City	KEY LARGO
State	FL
Zip	33037-2384
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 9834-2 LANDINGS OF LARGO II A TOWNHOME CONDO PHASE C OR1077-1658 OR1529-1499 OR1788-1071 OR1830-1808 OR1912-1346
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

Owner

Source: Monroe County records, as of December 5, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	15246 SW 31ST LN, MIAMI, FL 33185-5657
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2023 · Amount on Record
Deed Sale	Sep 1, 2023 · Amount on Record
Prior Sale	Nov 4, 2015 · Amount on Record
Deed Document Number	2430652
Deed Book / Page	3241 / 210
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 1, 2023
Property Address	98342 WINDWARD AVE, KEY LARGO, FL 33037-2384
Document Number	0032410210
Book / Page	3241 / 210
Map Reference	MB 1029 PG 884
Instrument Date	Aug 18, 2023
Instrument	2430652
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	SERENITY TITLE, SERENITY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	82 CYPRESS BOULEVARD, MIAMI, FL 33185

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15246 SW 31ST LN, MIAMI, FL 33185-5657

Mortgage

Document Number	0003241213
Date	Sep 1, 2023
Instrument	3241/213

Lender

Name	POPULAR BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$360,372 (+55.91%) Building $360,372	$360,372 (+8.2%) Building $360,372
2024	$3,550.00 (+66.51%)
2023	$2,132.00 (+5.39%) Homeowner's exemption	$231,144 (+3%) Building $231,144	$333,064 (+11.87%) Building $333,064
2022	$2,023.00 Homeowner's exemption	$224,412 Building $224,412	$297,722 Building $297,722

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