109 Beach Rd, Islamorada, FL 33036 Property Records

Monroe County property record for 109 Beach Rd, Islamorada, FL 33036

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,205 sqft · built 1938
Lot Size	0.115 acres (5,025 sqft)
Owner	Individual Name on Record
Last Sale	$920,000 (Feb 2023)
Tax Bill	$7,196 (2024)
Deeds & Mortgages	Aug 2023 Transfer May 2023 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`00401680-000000`

Property Details

APN / Parcel Number

Primary APN	`00401680-000000`
Alternative APNs	`32633700401680000000` `1494011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,205 sqft Living Area
1st Floor Area	1,205 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2012
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,025 sqft (0.115 acres)
Lot Dimensions	67 ft deep x 75 ft wide
Garage Type	Covered
Garage Area	364 sqft
Porch	Open Porch
Porch Area	120 sqft
Patio Area	30 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1494011
Street Address	109 BEACH RD
City	ISLAMORADA
State	FL
Zip	33036-3744
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BLK 1 PT LT 8 MATECUMBE BEACH PB1-133 UPPER MATECUMBE E1-193 OR1325-531/32L/E OR1660-1358/59TC OR1994-593 OR2137-1979 OR2311-539 OR3212-0171 OR3225-2329 OR3239-2215
Legal Range	37E
Legal Township	63S
Legal Section	32
Legal Subdivision	MATECUMBE BEACH
Legal Block	1
Legal Lot Number	8
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3023
Census Tract	970900

Owner

Source: Monroe County records, as of December 8, 2025

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	1475 W HEWETT RD, SANTA ROSA BEACH, FL 32459-3328
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2023	Correction Deed ATTORNEY ONLY, ATTORNEY
May 18, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Feb 15, 2023	Warranty Deed, Transfer CORAL REEF TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2023 · Amount on Record
Deed Sale	Feb 15, 2023 · Amount on Record
Prior Sale	Jul 30, 2007 · Amount on Record
Deed Document Number	20232406786
Deed Book / Page	3212 / 171
Last Transfer Date	Jul 26, 2023
Transfer Doc	0032392215
Record Updated	Sep 20, 2026

August 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	MONROE FL
Recording Date	Aug 24, 2023
Property Address	109 BEACH RD, ISLAMORADA, FL 33036-3744
Document Number	0032392215
Book / Page	3239 / 2215
Map Reference	MB 1 PG 133
Instrument Date	Jul 26, 2023
Instrument	2429627
Record Updated	Sep 8, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3588 PRESERVE LN, MIRAMAR BEACH, FL 32550-1854

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1475 W HEWETT RD, SANTA ROSA BEACH, FL 32459-3328

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	May 18, 2023
Property Address	109 BEACH RD, ISLAMORADA, FL 33036-3744
Document Number	0032252329
Book / Page	3225 / 2329
Map Reference	MB 1 PG 133
Instrument Date	Apr 24, 2023
Instrument	2418527
Transaction Type	Transfer
Record Updated	Jun 2, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3588 PRESERVE LN, MIRAMAR BEACH, FL 32550-1854

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1475 W HEWETT RD, SANTA ROSA BEACH, FL 32459-3328

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 15, 2023
Property Address	109 BEACH RD, ISLAMORADA, FL 33036-3744
Document Number	0032120171
Book / Page	3212 / 171
Map Reference	MB 1 PG 133
Instrument Date	Feb 14, 2023
Instrument	2406786
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CORAL REEF TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$6,440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1825 NW 103RD AVE, PLANTATION, FL 33322-3528

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1475 W HEWETT RD, SANTA ROSA BEACH, FL 32459-3328

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		$753,579 (+14.58%) Land $480,340 Building $273,239	$753,579 (+14.58%) Land $480,340 Building $273,239
2024	$7,196.00 (+33.53%)
2023	$5,389.00 (+18.39%)	$657,676 (+51.98%) Land $425,618 Building $232,058	$657,676 (+51.98%) Land $425,618 Building $232,058
2022	$4,552.00	$432,730 Land $251,501 Building $181,229	$432,730 Land $251,501 Building $181,229

Assessed value is set for property tax purposes, not a market price estimate; it is 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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 329 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	457 units insured incl. 128 condo units
Nearby Flood Claims	126 (2005–2022)
Claims Outside the SFHA	4 of 126
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 85 claims Hurricane Katrina Evacuation, Sep 2005 · 24 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	Not rated no burnable land within 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 124 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Verizon.

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