Monroe County property record for 100 Cortez Dr, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,530 sqft · built 2004 |
| Lot Size | 0.161 acres (7,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $567,500 (Apr 2019) |
| Tax Bill | $6,247 (2024) |
| Deeds & Mortgages | Oct 2021 Mortgage Apr 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00396180-000000 |
| Primary APN | 00396180-000000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,530 sqft Living Area |
| Gross Area | 1,755 sqft |
| 1st Floor Area | 1,530 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,000 sqft (0.161 acres) |
| Garage Type | Attached |
| Garage Area | 225 sqft |
| Porch | Florida Room |
| Porch Area | 724 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1488542 |
|---|---|
| Street Address | 100 CORTEZ DR |
| City | ISLAMORADA |
| State | FL |
| Zip | 33036-3923 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Description | BK 1 LT 1 MATECUMBE OCEAN VIEW PB4-102 LOWER MATCMBE KEY OR493-740 OR524-1091Q OR779-1700 OR794-1253/1254 OR861-792C OR1011-2445/46 OR1147-803 OR1399-1533 OR1399-1534AFF OR1399-1529/32 OR1655-1256 OR1710-74 OR2050-1992 OR2951-1228 OR2960-2359 |
| Legal Range | 36E |
| Legal Township | 64S |
| Legal Section | 15 |
| Legal Subdivision | MATECUMBE OCEAN VIEW |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 970900 |
100 Cortez Dr is owned by an individual who bought it in April 2019.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 103 FITE WAY, C, QUARRYVILLE, PA 17566-9394 |
| 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 |
|---|---|
| Oct 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SANTANDER BANK NA |
| Apr 26, 2019 | Warranty Deed, Transfer · ARM CAPITAL BANK |
| Mar 1, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 26, 2019 · Amount on File |
| Deed Sale | Apr 26, 2019 · Amount on File |
| Prior Sale | Oct 15, 2004 · Amount on File |
| Deed Document Number | 20192217163 |
| Deed Book / Page | 2960 / 2359 |
| Transfer Doc | 1399001533 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 100 CORTEZ DR, ISLAMORADA, FL 33036-3923 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1865 RIVERVUE DR N, DRUMORE, PA 17518-9730 |
| Document Number | 0031310926 |
|---|---|
| Date | Oct 13, 2021 |
| Book Page | 3131/926 |
| Instrument | 2343860 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 26, 2019 |
| Property Address | 100 CORTEZ DR, ISLAMORADA, FL 33036-3923 |
| Document Number | 0029602359 |
| Book / Page | 2960 / 2359 |
| Map Reference | MB 4 PG 102 |
| Instrument Date | Apr 25, 2019 |
| Instrument | 2217163 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | CORAL REEF TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,972.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 104 CORTEZ DR, 104, ISLAMORADA, FL 33036-3923 |
| Name | Verified Name |
|---|---|
| Address | 103 FITE WAY STE C, C, QUARRYVILLE, PA 17566-9394 |
| Document Number | 0029602360 |
|---|---|
| Date | Apr 26, 2019 |
| Instrument | 2960-2360 |
| Name | CAPITAL BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 9.75% |
| Index | 1-Year LIBOR |
| Margin | 3 |
| Max Rate | 9.75% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 1, 2019 |
| Property Address | 100 CORTEZ DR, ISLAMORADA, FL 33036-3923 |
| Document Number | 0029511228 |
| Book / Page | 002951 / 001228 |
| Instrument Date | Dec 1, 2004 |
| Instrument | 2209049 |
| Transaction Type | Transfer |
| Record Updated | Apr 5, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 100 CORTEZ DR ISLAMORADA FL 330363923, ISLAMORADA, FL 33036-3923 |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Municipality | Islamorada, Village Of Islands |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $661,686 Land $342,895 Building $318,791 | $661,686 Land $342,895 Building $318,791 | |
| 2024 | $6,247.00 (+2.51%) | ||
| 2023 | $6,094.00 (+11.45%) | $720,725 (+24.11%) Land $422,433 Building $298,292 | $720,725 (+24.11%) Land $422,433 Building $298,292 |
| 2022 | $5,468.00 | $580,721 Land $281,033 Building $299,688 | $580,721 Land $281,033 Building $299,688 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 100 Cortez Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 493 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 650 units insured incl. 157 condo units |
| Nearby Flood Claims | 553 (1981–2020) |
| Claims Outside the SFHA | 2 of 553 |
| Most Recent Claim | Nov 2020 · rainfall accumulation |
| 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 100 Cortez Dr is low, with 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 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 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 62 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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