Monroe County property record for 109 Willow Ln, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 3,152 sqft · built 1994 |
| Lot Size | 0.227 acres (9,890 sqft) |
| Owner | Company Name on Record |
| Last Sale | $65,000 (Jun 1992) |
| Tax Bill | $9,030 (2025) |
| Deeds & Mortgages | Nov 2022 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 00391060-000000 |
| Primary APN | 00391060-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 3,152 sqft Living Area |
| 1st Floor Area | 3,141 sqft |
| Attic | Attic |
| Attic Area | 644 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 9,890 sqft (0.227 acres) |
| Lot Dimensions | 108 ft deep x 92 ft wide |
| View / Lot | Canal |
| Garage Type | Carport |
| Garage Area | 644 sqft |
| Carport | Carport |
| Carport Area | 644 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 2,394 sqft |
| Patio Area | 2,310 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1479381 |
|---|---|
| Street Address | 109 WILLOW LN |
| City | ISLAMORADA |
| State | FL |
| Zip | 33036-4217 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS-M |
| Legal Description | BK 2 LT 3 SAFETY HARBOR SEC 1 PB3-69 LOWER MATECUMBE KEY OR448-973/974 OR457-168 CJ SER3-W9 OR953-1476/1477 OR1220-1063 OR1378-775 OR3200-0584 |
| Legal Range | 36E |
| Legal Township | 64S |
| Legal Section | 20 |
| Legal Subdivision | SAFETY HARBOR SEC 1 |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 970900 |
Source: Monroe County records, as of May 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 109 WILLOW LN, ISLAMORADA, FL 33036-4217 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Tenant |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 1992 · Amount on Record |
| Deed Sale | Jun 1, 1992 · Amount on Record |
| Prior Sale | Sep 1, 1985 · Amount on Record |
| Deed Book / Page | 1220 / 1063 |
| Transfer Doc | 1378000775 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 3, 2022 |
| Property Address | 109 WILLOW LN, ISLAMORADA, FL 33036-4217 |
| Document Number | 0032000584 |
| Book / Page | 3200 / 584 |
| Instrument Date | Oct 25, 2022 |
| Instrument | 2396506 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 109 WILLOW LN, 109, ISLAMORADA, FL 33036-4217 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 109 WILLOW LN, ISLAMORADA, FL 33036-4217 |
Source: Monroe County assessment roll, as of December 8, 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 | $9,030.00 (+3.37%) Homeowner's exemption | $936,508 (+5.99%) | $1,857,990 (+2.41%) Land $1,291,238 Building $566,752 |
| 2024 | $8,736.00 (+0.71%) | ||
| 2023 | $8,674.00 (+1.86%) Homeowner's exemption | $883,607 (+3%) | $1,814,286 (+34.61%) Land $1,260,975 Building $553,311 |
| 2022 | $8,516.00 Homeowner's exemption | $857,871 | $1,347,806 Land $781,805 Building $566,001 |
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 | 6.0 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 106 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · 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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