109 Sandy Cove Ave, Islamorada, FL 33036 Property Records

Monroe County property record for 109 Sandy Cove Ave, Islamorada, FL 33036

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,340 sqft · built 1988
Lot Size	0.176 acres (7,667 sqft)
Owner	2 Company Names on Record
Last Sale	$37,500 (Feb 1983)
Tax Bill	$4,683 (2024)
Deeds & Mortgages	Jul 2019 Sale
Flood Zone	Zone AE (high risk)
APN	`00394070-000100`

Property Details

APN / Parcel Number

Primary APN	`00394070-000100`
Alternative APNs	`20643600394070000100` `8648758`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,340 sqft Living Area
1st Floor Area	1,340 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,667 sqft (0.176 acres)
View / Lot	Waterfront
Garage Type	Covered
Garage Area	627 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	729 sqft
Deck Area	280 sqft
Patio Area	280 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	8648758
Street Address	109 SANDY COVE AVE
City	ISLAMORADA
State	FL
Zip	33036-4100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 2 PT LT 9 MATECUMBE SANDY BEACH LOWER MATECUMBE KEY PB3-127 (.18AC) OR55-423 OR294 350 OR404-246 OR874-1364 OR874-1365 OR2976-1461 OR3275-1492 OR3275-1513 OR3275-1517 OR3275-1520
Legal Range	36E
Legal Township	64S
Legal Section	20
Legal Subdivision	MATECUMBE SANDY BEACH
Legal Block	2
Legal Lot Number	9
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1007
Census Tract	970900

Owner

Source: Monroe County records, as of December 9, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	109 SANDY COVE AVE, ISLAMORADA, FL 33036-4100
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 1983 · Amount on Record
Deed Sale	Feb 1, 1983 · Amount on Record
Deed Book / Page	874 / 1365
Last Transfer Date	May 8, 2024
Transfer Doc	0032751520
Record Updated	Sep 20, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 24, 2019
Property Address	109 SANDY COVE AVE, ISLAMORADA, FL 33036-4100
Document Number	0029761461
Book / Page	002976 / 001461
Instrument Date	Jul 22, 2019
Instrument	2229958
Transaction Type	Transfer
Record Updated	Aug 7, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	109 SANDY COVE AVE ISLAMORADA FL 330364100, ISLAMORADA, FL 33036-4100

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		$1,369,246 (+173.33%)	$1,481,876 (+1.21%) Land $1,281,827 Building $200,049
2024	$4,683.00 (+0.86%)
2023	$4,643.00 (+1.09%) Senior Citizen's exemption	$500,943 (+3%)	$1,464,182 (+45.12%) Land $1,281,827 Building $182,355
2022	$4,593.00 Senior Citizen's exemption	$486,353	$1,008,916 Land $826,522 Building $182,394

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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	Hurricane Irma, Sep 2017 · 250 claims Hurricane Wilma, Oct 2005 · 78 claims Hurricane Georges, Sep 1998 · 120 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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20