Monroe County property record for 109 Ocean Ln, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 2,828 sqft · built 1984 |
| Lot Size | 0.241 acres (10,525 sqft) |
| Owner | Individual Name on File |
| Last Sale | $175,000 (Aug 1991) |
| Tax Bill | $5,213 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00396050-000000 |
| Primary APN | 00396050-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,828 sqft Living Area |
| 1st Floor Area | 2,828 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Pile |
| Roof Type | Reinforced Concrete |
| Roof Material | Other |
| Lot Area | 10,525 sqft (0.241 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 1,329 sqft |
| Deck Area | 239 sqft |
| Patio Area | 64 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1488437 |
|---|---|
| Old Parcel Number | 15643600396050000000 |
| Street Address | 109 OCEAN LN |
| City | ISLAMORADA |
| State | FL |
| Zip | 33036-3913 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 14-15 MATE-LIDO BEACH PB3-173 LOWER MATECUMBE KEY OR393-462 OR626-587 OR884-822 OR955-587 OR1040-1213 OR1073-1262 |
| Legal Range | 36E |
| Legal Township | 64S |
| Legal Section | 15 |
| Legal Subdivision | MATE-LIDO BEACH |
| Legal Lot Number | 14-15 15 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 970900 |
109 Ocean Ln is owned and occupied by an individual who bought it in August 1991.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 OCEAN LN, ISLAMORADA, FL 33036-3913 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 1, 1991 · Amount on File |
| Deed Sale | Aug 1, 1991 · Amount on File |
| Deed Document Number | 0011801574 |
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of July 1, 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 | $527,931 | $1,463,855 Land $937,778 Building $526,077 | |
| 2024 | $5,213.00 (+0.75%) | ||
| 2023 | $5,174.00 (+1.77%) Homeowner's exemption | $498,110 (+3%) | $1,591,139 (+37.05%) Land $1,082,707 Building $508,432 |
| 2022 | $5,084.00 Homeowner's exemption | $483,602 | $1,160,962 Land $639,394 Building $521,568 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Ocean Ln 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 109 Ocean Ln 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 97% of the US · lower than 96% 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 59 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 |
| Verizon Fixed Wireless | 300 / 20 |
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