103 Orchid St, Tavernier, FL 33070 Property Records

Monroe County property record for 103 Orchid St, Tavernier, FL 33070

Property Summary

Property Type	Residential Vacant Land
Details	2 bd · 2 ba · 1,380 sqft · built 1979
Lot Size	0.168 acres (7,325 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Sep 2023)
Tax Bill	$3,925 (2024)
Deeds & Mortgages	Nov 2024 Mortgage Sep 2023 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`00437491-000100`

Property Details

APN / Parcel Number

Primary APN	`00437491-000100`
Alternative APNs	`33623800437491000100` `1535401`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,380 sqft Living Area
1st Floor Area	1,380 sqft
Flooring	Terrazzo
Interior Walls	Masonry

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1980
Architectural Style	Mobile Home
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,325 sqft (0.168 acres)
Lot Dimensions	83 ft deep x 85 ft wide

Exterior Amenities

Porch	Slab
Porch Area	316 sqft
Deck Area	Deck Area
Patio Area	1,048 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1535401
Street Address	103 ORCHID ST
City	TAVERNIER
State	FL
Zip	33070-2453
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	URM
Legal Description	BK 1 LT 1 PLANTATION TROPICAL PARK PLANTATION KEY PB6-23 OR534-744 OR712-895/96 OR1550-1793 OR1550-1794 OR1550-1794 OR2307-498 OR3235-2294 OR3239-316 OR3244-2077
Legal Range	38E
Legal Township	62S
Legal Section	33
Legal Subdivision	PLANTATION TROPICAL PARK
Legal Block	1
Legal Lot Number	1
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1032
Census Tract	970700

Owner

Source: Monroe County records, as of March 13, 2026

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
Mailing Address	153 ORCHID ST, TAVERNIER, FL 33070-2415
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2024	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF THE FLORIDA KEYS
Sep 29, 2023	Correction Deed MONUMENTAL TITLE AND ESCROW COMPANY, MONUMENT TITLE & ESCROW LLC
Aug 18, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF THE FLORIDA KEY
Jul 22, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FLORIDA HOUSING FINANCE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2023 · Amount on Record
Deed Sale	Sep 29, 2023 · Amount on Record
Prior Sale	Aug 18, 2023 · Amount on Record
Deed Document Number	20232434211
Deed Book / Page	3244 / 2077
Prior Transfer Date	Sep 8, 2023
Prior Transfer Doc	0032442077
Record Updated	Sep 20, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	103 ORCHID ST, TAVERNIER, FL 33070-2453
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	153 ORCHID ST, TAVERNIER, FL 33070-2415

Mortgage

Document Number	0033010714
Date	Nov 22, 2024
Book Page	3301/714
Instrument	2481574

Lender

Name	FIRST STATE BANK OF THE FLORIDA KEYS
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Dec 1, 2055

September 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	MONROE FL
Recording Date	Sep 29, 2023
Property Address	103 ORCHID ST, TAVERNIER, FL 33070-2453
Document Number	0032442077
Book / Page	3244 / 2077
Map Reference	MB 6 PG 23
Instrument Date	Sep 8, 2023
Instrument	2434211
Record Updated	Dec 8, 2025
Title Company	MONUMENTAL TITLE AND ESCROW COMPANY, MONUMENT TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	91220 OVERSEAS HWY UNIT 46, 46, TAVERNIER, FL 33070-5002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	153 ORCHID ST, TAVERNIER, FL 33070-2415

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 18, 2023
Property Address	103 ORCHID ST, TAVERNIER, FL 33070-2453
Document Number	0032390316
Book / Page	3239 / 316
Map Reference	MB 6 PG 23
Instrument Date	Aug 8, 2023
Instrument	2429070
Transaction Type	Transfer
Record Updated	Dec 8, 2025
Title Company	MONUMENTAL TITLE AND ESCROW COMPANY, MONUMENT TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	91220 OVEWRSCAS HIGHWAY, TAVERNIER, FL 33070

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	153 ORCHID ST, TAVERNIER, FL 33070-2415

Mortgage

Document Number	0003239319
Date	Aug 18, 2023
Instrument	3239/319

Lender

Name	FIRST STATE BANK OF THE FLORIDA KEY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	37 Months
Due	Sep 1, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	103 ORCHID ST, TAVERNIER, FL 33070-2453
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029760105
Date	Jul 22, 2019
Book Page	2976/0105
Instrument	2229467

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Credit Union
Address	TALLAHASSEE, FL 32301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Municipality	Islamorada, Village Of Islands
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$385,744 (+53.52%)	$411,409 (+3.98%) Land $411,409
2024	$3,925.00 (+70.43%)
2023	$2,303.00 (+6.37%) Homeowner's exemption	$251,261 (+16.92%)	$395,676 (+21.35%) Land $351,903 Building $43,773
2022	$2,165.00 Homeowner's exemption	$214,900	$326,067 Land $279,096 Building $46,971

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 280 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	394 units insured incl. 114 condo units
Nearby Flood Claims	182 (1994–2023)
Claims Outside the SFHA	2 of 182
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 86 claims Hurricane Wilma, Oct 2005 · 9 claims Hurricane Georges, Sep 1998 · 54 claims

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 310 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	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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