Monroe County property record for 98422 Windward Ave, Key Largo, FL 33037
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 778 sqft · built 1988 |
| Lot Size | 11 acres (500,221 sqft) |
| Owner | Company Name on Record |
| Last Sale | $192,000 (Dec 2016) |
| Tax Bill | $3,851 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit Feb 2022 Transfer |
| Flood Zone | Zone X (moderate risk) |
| APN | 00091104-003000 |
| Primary APN | 00091104-003000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 778 sqft Living Area |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Condo/Apartment |
| Lot Area | 500,221 sqft (11 acres) |
| Account Number | 8746750 |
|---|---|
| Street Address | 98422 WINDWARD AVE |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2379 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | UR |
| Legal Description | UNIT 9842-2 PHASE C LANDINGS OF LARGO II A TOWNHOME CONDO OR1048-747/48 OR1624-1842/43 OR1970-46 OR2028-968/69 OR2537-1201/02 OR2574-1342/43 OR2830-1491/92 OR2830-1496/98 OR3156-0202 |
| Legal Range | 39E |
| Legal Township | 62S |
| Legal Section | 06 |
| Legal Subdivision | LANDINGS LARGO 02 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 970600 |
Source: Monroe County records, as of October 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 16619 W HIGHWAY 80, NANCY, KY 42544-8902 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Apr 19, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Feb 18, 2022 | Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 15, 2016 · Amount on Record |
| Deed Sale | Dec 15, 2016 · Amount on Record |
| Prior Sale | Dec 15, 2016 · Amount on Record |
| Deed Document Number | 20162103297 |
| Deed Book / Page | 2830 / 1496 |
| Last Transfer Date | Feb 9, 2022 |
| Transfer Doc | 0031560202 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 98422 WINDWARD AVE, KEY LARGO, FL 33037-2379 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0031681279 |
|---|---|
| Date | Apr 19, 2022 |
| Book Page | 3168/1279 |
| Instrument | 2371492 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Feb 18, 2022 |
| Property Address | 98422 WINDWARD AVE, KEY LARGO, FL 33037-2379 |
| Document Number | 0031560202 |
| Book / Page | 3156 / 202 |
| Map Reference | MB 1029 PG 884 |
| Instrument Date | Feb 9, 2022 |
| Instrument | 2362281 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16619W W HIGHWAY 80, 16619W, NANCY, KY 42544-8902 |
| Name | Verified Name |
|---|---|
| Address | 16619 W HIGHWAY 80, NANCY, KY 42544-8902 |
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 | $3,851.00 (+3%) | $387,449 (+11.4%) Building $387,449 | $387,449 (+11.4%) Building $387,449 |
| 2024 | $3,739.00 (+10.56%) | ||
| 2023 | $3,382.00 (+27.24%) | $347,799 (+15.02%) Building $347,799 | $347,799 (+15.02%) Building $347,799 |
| 2022 | $2,658.00 | $302,372 Building $302,372 | $302,372 Building $302,372 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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: 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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