Monroe County property record for 98461 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 Record |
| Last Sale | $515,000 (Sep 2023) |
| Tax Bill | $4,030 (2024) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Jun 2021 Sale |
| Flood Zone | Zone X (moderate risk) |
| APN | 00091104-003300 |
| Primary APN | 00091104-003300 |
|---|---|
| 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 | 8746822 |
|---|---|
| Old Parcel Number | 06623900091104003300 |
| Street Address | 98461 WINDWARD AVE |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2379 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | UNIT 9846-1 PHASE C LANDINGS OF LARGO II A TOWNHOME CONDO OR1050-947 OR1324-1005 OR1480-330 OR1648-2049 OR1648-2064 |
| 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, 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 | 98461 WINDWARD AVE, KEY LARGO, FL 33037-2379 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 6, 2023 | Warranty Deed, Transfer · Conventional Mortgage JACKSON FLAGSTAR CENTRE OFFICE |
| Jun 2, 2021 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2023 · Amount on Record |
| Deed Sale | Sep 6, 2023 · Amount on Record |
| Prior Sale | Jun 2, 2021 · Amount on Record |
| Deed Document Number | 2431065 |
| Deed Book / Page | 3241 / 1442 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 6, 2023 |
| Property Address | 98461 WINDWARD AVE, KEY LARGO, FL 33037-2379 |
| Document Number | 0032411442 |
| Book / Page | 3241 / 1442 |
| Map Reference | MB 1029 PG 884 |
| Instrument Date | Aug 31, 2023 |
| Instrument | 2431065 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2023 |
| Title Company | QUALIFIED TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,605.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15 CASTLE DR, WOODBURY, NY 11797-1015 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 98461 WINDWARD AVE, KEY LARGO, FL 33037-2379 |
| Document Number | 0032411445 |
|---|---|
| Date | Sep 6, 2023 |
| Instrument | 3241/1445 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Number | 0032411469 |
|---|---|
| Date | Sep 6, 2023 |
| Book Page | 3241/1469 |
| Instrument | 2431067 |
| Name | GTE FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jun 2, 2021 |
| Property Address | 98461 WINDWARD AVE, KEY LARGO, FL 33037-2379 |
| Document Number | 0031020594 |
| Book / Page | 3102 / 594 |
| Map Reference | MB 1029 PG 884 |
| Instrument Date | Jun 1, 2021 |
| Instrument | 2322876 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,520.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 751 NE 112TH ST, 751, BISCAYNE PARK, FL 33161-7235 |
| Name | Verified Name |
|---|---|
| Address | 15 CASTLE DR, WOODBURY, NY 11797-1015 |
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 | $421,308 (+11.44%) Building $421,308 | $421,308 (+11.44%) Building $421,308 | |
| 2024 | $4,030.00 (+15.34%) | ||
| 2023 | $3,494.00 (+13.89%) | $378,054 (+17.9%) Building $378,054 | $378,054 (+17.9%) Building $378,054 |
| 2022 | $3,068.00 | $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.
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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