Monroe County property record for 109 Sapodilla Dr, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,374 sqft · built 1966 |
| Lot Size | 0.318 acres (13,891 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $2,900,000 (Dec 2025) |
| Tax Bill | $18,923 (2024) |
| Deeds & Mortgages | Jun 2021 Mortgage Dec 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00394110-000000 |
| Primary APN | 00394110-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,374 sqft Living Area |
| 1st Floor Area | 1,332 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Pile |
| Roof Type | Reinforced Concrete |
| Roof Material | Other |
| Lot Area | 13,891 sqft (0.318 acres) |
| Garage Area | 907 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 217 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1482463 |
|---|---|
| Old Parcel Number | 20643600394110000000 |
| Street Address | 109 SAPODILLA DR |
| City | ISLAMORADA |
| State | FL |
| Zip | 33036-4101 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 3 LT 3 MATECUMBE SANDY BEACH LOWER MATCMBE KEY PB3-127 OR499-685 OR963-141 OR1493-1880 OR3088-2210 |
| Legal Range | 36E |
| Legal Township | 64S |
| Legal Section | 20 |
| Legal Subdivision | MATECUMBE SANDY BEACH |
| Legal Block | 3 |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 970900 |
Source: Monroe County records, as of January 27, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 91 POAILANI PL, KIHEI, HI 96753-6406 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 1, 2021 | Deed of Trust, Mortgage SIGNATURE BANK NA |
| Dec 29, 2025 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Apr 13, 2021 | Warranty Deed, Transfer CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 29, 2025 · Amount on Record |
| Deed Sale | Dec 29, 2025 · Amount on Record |
| Prior Sale | Apr 13, 2021 · Amount on Record |
| Deed Document Number | 2526857 |
| Deed Book / Page | 3360 / 63 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 109 SAPODILLA DR, ISLAMORADA, FL 33036-4101 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0031020223 |
|---|---|
| Date | Jun 1, 2021 |
| Book Page | 3102/223 |
| Instrument | 2322786 |
| Name | SIGNATURE BANK NA |
|---|---|
| Type | Bank |
| Address | TOLEDO, OH 43623 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Jun 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Dec 29, 2025 |
| Property Address | 109 SAPODILLA DR, ISLAMORADA, FL 33036-4101 |
| Document Number | 0033600063 |
| Book / Page | 3360 / 63 |
| Map Reference | MB 3 PG 127 |
| Instrument Date | Dec 19, 2025 |
| Instrument | 2526857 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $20,300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3562 STONEBROOKE LN, MAUMEE, OH 43537-9614 |
| Name | Verified Name |
|---|---|
| Address | 91 POAILANI PL, KIHEI, HI 96753-6406 |
| Document Number | 0000336065 |
|---|---|
| Date | Dec 29, 2025 |
| Instrument | 3360/65 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 13, 2021 |
| Property Address | 109 SAPODILLA DR, ISLAMORADA, FL 33036-4101 |
| Document Number | 0030882210 |
| Book / Page | 3088 / 2210 |
| Map Reference | MB 3 PG 127 |
| Instrument Date | Apr 12, 2021 |
| Instrument | 2313674 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $8,400.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 109 SAPODILLA DR, 109, ISLAMORADA, FL 33036-4101 |
| Name | Verified Name |
|---|---|
| Address | 3562 STONEBROOKE LN, MAUMEE, OH 43537-9614 |
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 | $2,467,236 (+6.16%) Land $1,888,172 Building $579,064 | $2,467,236 (+6.16%) Land $1,888,172 Building $579,064 | |
| 2024 | $18,923.00 (+5.47%) | ||
| 2023 | $17,941.00 (+21.58%) | $2,324,050 (+55.31%) Land $1,888,172 Building $435,878 | $2,324,050 (+55.31%) Land $1,888,172 Building $435,878 |
| 2022 | $14,756.00 | $1,496,376 Land $1,217,493 Building $278,883 | $1,496,376 Land $1,217,493 Building $278,883 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
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.
Source: FCC Broadband Data Collection, based on 244 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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