Monroe County property record for 98482 Windward Ave, Key Largo, FL 33037
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 845 sqft · built 1988 |
| Lot Size | 11 acres (500,221 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $425,000 (Jul 2021) |
| Tax Bill | $4,313 (2024) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage May 2018 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 00091104-003600 |
| Primary APN | 00091104-003600 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 845 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 | 8746890 |
|---|---|
| Street Address | 98482 WINDWARD AVE |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2344 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | UR |
| Legal Description | UNIT 9848-2 PHASE C LANDINGS OF LARGO II, A TOWNHOME CONDO OR1060-1505/06 OR1496-1206 OR1993-1279 OR1993-1280 OR2196853/54PR OR2196-855/56TR/D OR2681-1706/08 OR2681-1711 OR2681-1712 OR2904-820/22 OR3114-1040 |
| 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 |
98482 Windward Ave, a condominium, is owned by two individuals who bought it in July 2021.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 885 SW 174TH TER, PEMBROKE PINES, FL 33029-4216 |
| 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 |
|---|---|
| Jul 22, 2021 | Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| May 1, 2018 | Warranty Deed, Transfer · Conventional Mortgage EAST COAST MORTGAGE LENDERS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 22, 2021 · Amount on File |
| Deed Sale | Jul 22, 2021 · Amount on File |
| Prior Sale | May 1, 2018 · Amount on File |
| Deed Document Number | 20212331462 |
| Deed Book / Page | 3114 / 1040 |
| Prior Transfer Date | Mar 15, 2006 |
| Prior Transfer Doc | 0021960853 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 22, 2021 |
| Property Address | 98482 WINDWARD AVE, KEY LARGO, FL 33037-2344 |
| Document Number | 0031141040 |
| Book / Page | 3114 / 1040 |
| Map Reference | MB 1029 PG 884 |
| Instrument Date | Jul 6, 2021 |
| Instrument | 2331462 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | FIRST CHOICE T&E LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,975.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 121 GUMBO LIMBO DR, 121, KEY LARGO, FL 33037-4506 |
| Name | Verified Name |
|---|---|
| Address | 885 SW 174TH TER, PEMBROKE PINES, FL 33029-4216 |
| Document Number | 0031141043 |
|---|---|
| Date | Jul 22, 2021 |
| Instrument | 3114/1043 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 1, 2018 |
| Property Address | 98482 WINDWARD AVE, KEY LARGO, FL 33037-2344 |
| Document Number | 0029040820 |
| Book / Page | 2904 / 0820 |
| Map Reference | MB1029 PG884 |
| Instrument Date | Apr 20, 2018 |
| Instrument | 2167040 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,093.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 26 BROWNSTONE LN ETOBICOKE ON M8X2Z6, 26, XX 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 98482 WINDWARD AVE, KEY LARGO, FL 33037-2344 |
| Document Number | 0002167041 |
|---|---|
| Date | May 1, 2018 |
| Instrument | 2167041 |
| Name | EAST COAST MORTGAGE LENDERS INC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2048 |
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 | $461,753 Building $461,753 | $461,753 Building $461,753 | |
| 2024 | $4,313.00 (+10.03%) | ||
| 2023 | $3,920.00 (+12.35%) | $419,645 (+11.71%) Building $419,645 | $419,645 (+11.71%) Building $419,645 |
| 2022 | $3,489.00 | $375,671 Building $375,671 | $375,671 Building $375,671 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 98482 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 98482 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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