Twin Lakes is a residential subdivision located on the bayside of Key Largo near mile marker 103 in Monroe County, Florida. Public records indicate that this community does not have a registered or active homeowners association (HOA) managed by a professional company. Searches of Florida Sunbiz corporation records and HOA databases did not identify a formal Twin Lakes HOA entity with ongoing operations, fees, or enforcement.
HOA Fees and Financial Obligations
There are no standard HOA fees or assessments associated with Twin Lakes. Property owners are subject to Monroe County property taxes and special assessments related to infrastructure improvements, such as recent road adaptation and drainage projects aimed at mitigating flooding. In 2025, discussions included potential annual operation and maintenance assessments around $2,131 per property for stormwater management, though capital assessments were reconsidered. Owners handle all maintenance individually.
Rules and Regulations
Without a formal HOA, there are no community-specific covenants, architectural review processes, or enforced rules beyond Monroe County zoning, building codes, and Florida state laws. Residents must comply with local ordinances regarding property maintenance, flooding resilience, and environmental protections typical of the Florida Keys.
Community Amenities and Lifestyle
The lifestyle emphasizes a quiet, waterfront residential setting with custom-built homes offering boating access to Blackwater Sound. The area is known for its proximity to natural attractions like John Pennekamp Coral Reef State Park, but lacks organized community amenities such as pools or clubhouses.
Notable Aspects
Twin Lakes is a flood-prone neighborhood undergoing county-led mitigation efforts. It attracts buyers seeking spacious lots and Keys living without HOA restrictions.
Management Company: None identified (no formal HOA) Phone: N/A Email: N/A Website: N/A Address: Twin Lakes Subdivision, Key Largo, FL 33037 (Monroe County government for assessments: monroecounty-fl.gov)