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Claim or joinLegal name: VILLAS AT HARBOR LINKS, A CONDO OCEAN REEF CLUB
Condo / COA · 8 units · Key Largo, FL
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Public record · State filing
Statute-cited calculators and generators for Villas at Harbor Links, a Condominium Ocean Reef Club. No account needed.
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See also the Florida Condominium Act (Fla. Stat. Ch. 718).
A starting point for diligence, not a safety or compliance rating. Full flood, structural, and hazard detail is below.
Public record · Federal hazard-risk index, federal flood-hazard maps, state structural-integrity filings
Very High composite risk for this neighborhood area · 100th percentile of FL neighborhood areas
47 federal disaster declarations for this county, including 26 hurricanes, most recent Oct 2024.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Communities in this county participate in the federal flood insurance program
5,960 flood policies in force in this ZIP (2,191 condo) · as of 2026-06-01
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Annual change in ZIP 33037
2020 +2.9% · 2021 +16.5% · 2022 +25.8% · 2023 +4.9% · 2024 +8.6% · 2025 +1.1%
Area price appreciation for context, not an appraisal of this association or any unit. Its publisher labels the index developmental: it is built from conforming-mortgage data, and small housing markets are suppressed.
Public record · Federal house-price index · as of Mar 2026
Monthly HOA and condo fees reported by owners in this part of the state, from federal household survey estimates.
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14% of nearby housing sits in 5+ unit buildings, most of it built in the 1970s.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Common Elements directory
Peer context, not financial advice: area-level survey medians describe the market, not what any specific community should charge.
No Structural Integrity Reserve Study on file yet.
Model SB 4-D reserve contributions for this association’s unit count and building profile before the formal study numbers come in.
Public record · State structural-integrity filings, county parcel records
Counts describe the area around the association's geocoded location, for context. Not a site-specific environmental assessment.
Public record · Federal environmental-facility records · as of Jul 2026
Most recent significant event in Monroe County: Flood, Dec 29, 2024.
County-level weather records from the federal storm-event database, for context. Each event is logged for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe Monroe County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 33037 · 2022
Average premium changed +19.1% across the filed window (2018 to 2022).
ZIP-area averages from federal filings, not a quote for this building. Your rate depends on the building's construction, claims history, and coverage.
Public record · Federal homeowners-insurance filings · as of 2018 to 2022
2G Construction Management LLC
Tavernier, FL
3rd Generation Plumbing, INC
Marathon, FL
A Affordable Emergency Svcs INC
Key Largo, FL
A All Major Brands Corp
Key Largo, FL
A Perry Homes Florida LLC
Key Largo, FL
A Plus Roofing of Key West INC
Key West, FL
Verified vendor companies serving Monroe County, FL. Listing only, not an endorsement.
Common Elements verified vendor directory
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State condominium filing
On file as VILLAS AT HARBOR LINKS, A CONDO OCEAN REEF CLUB
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as Villas at Harbor Links, a Condominium Ocean Reef Club
Source not recorded
Type · Units
Geocoded from the address on file
Map location
Geocoded 2026-06-06
Public record
1 linked public record
Names are shown in title case for readability. The string above is the name on file, unchanged.
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