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110 E Ridge Rd, Islamorada, FL 33036 Property Records

Monroe County property record for 110 E Ridge Rd, Islamorada, FL 33036

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,773 sqft · built 1959
Lot Size0.198 acres (8,621 sqft)
Owner2 Individual Names on Record
Last Sale$129,000 (Sep 1995)
Tax Bill$1,054 (2025)
Deeds & MortgagesMay 2023 Mortgage
Jan 2019 Mortgage
Flood ZoneZone AE (high risk)
APN00411900-000000

Property Details

APN / Parcel Number

Primary APN00411900-000000
Alternative APNs
  • 13633700411900000000
  • 1506141

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area1,773 sqft Living Area
1st Floor Area1,749 sqft
FlooringCeramic Tile
Interior WallsPlywood

Exterior

Year BuiltBuilt 1959
Effective Year BuiltEffective 1999
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area8,621 sqft (0.198 acres)
Lot Dimensions142 ft deep x 60 ft wide

Exterior Amenities

PorchSlab
Porch Area341 sqft
Deck Area352 sqft
Patio Area422 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1506141
Street Address110 E RIDGE RD
CityISLAMORADA
StateFL
Zip33036-3120
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSC
Legal DescriptionSQR 2 LOT 3 AND SLY 10 1/2 OF ADJ ALLEY PLANTATION RIDGE PB3-43 PLANTATION KEY OR12-132 OR153-54 OR393-2 OR750-511 OR750-518 OR750-513 OR824-1533 OR898-665 OR899-1901 OR1095-1279 OR1318-2042 OR1318-2043C OR1368-561
Legal Range37E
Legal Township63S
Legal Section13
Legal SubdivisionPLANTATION RIDGE
Legal Block2
Legal Lot Number3
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group3
Census Block3050
Census Tract970800

Owner

Source: Monroe County records, as of August 31, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address110 E RIDGE RD, ISLAMORADA, FL 33036-3120
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 17, 2023Deed of Trust, Mortgage · VA Mortgage
ARK-LA-TEX FINANCE SERVICES LLC
Jan 8, 2019Deed of Trust, Mortgage · VA Mortgage
USAA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 5, 1995 · Amount on Record
Deed SaleSep 5, 1995 · Amount on Record
Prior SaleAug 10, 1994 · Amount on Record
Deed Book / Page1368 / 561
Record UpdatedOct 29, 2026

May 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address110 E RIDGE RD, ISLAMORADA, FL 33036-3120
Transaction TypeMortgage
Record UpdatedJun 2, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address110 E RIDGE RD, ISLAMORADA, FL 33036-3120

Mortgage

Document Number0032251466
DateMay 17, 2023
Book Page3225/1466
Instrument2418178
Lender
NameARK-LA-TEX FINANCE SERVICES LLC
TypeMortgage Company
AddressPLANO, TX 75024
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2053

January 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address110 E RIDGE RD, ISLAMORADA, FL 33036-3120
Document Number0029441439
Instrument DateJan 8, 2019
Transaction TypeMortgage
Record UpdatedFeb 7, 2019

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address110 E RIDGE RD ISLAMORADA FL 330363120, ISLAMORADA, FL 33036-3120

Mortgage

Document Number0029441439
DateJan 15, 2019
Book Page002944/001439
Instrument2201775
Lender
NameUSAA
AddressSAN ANTONIO, TX 78288-0544
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term180 Months
DueJan 14, 2034

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityIslamorada, Village Of Islands
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,054.00 (+1.93%) Veteran's exemption$357,831 (+5.99%)$799,989 (+19.15%) Land $529,157 Building $270,832
2024$1,034.00
2023$1,034.00 Homeowner's exemption$337,619 (+3%)$671,431 (+0.09%) Land $418,205 Building $253,226
2022$1,034.00 Homeowner's exemption$327,786$670,794 Land $413,937 Building $256,857

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 624 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1,096 units insured
incl. 472 condo units
Nearby Flood Claims190 (1982–2020)
Most Recent ClaimSep 2020 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 87 claims
  • Hurricane Wilma, Oct 2005 · 60 claims
  • Hurricane Georges, Sep 1998 · 21 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 RiskLow
lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 88 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless · Fiber, DSL in parts of the area		100 / 20

May also be available: Hotwire Communications.

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