110 el Capitan Dr, Islamorada, FL 33036 Property Records

Monroe County property record for 110 el Capitan Dr, Islamorada, FL 33036

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 3,023 sqft · built 2006
Lot Size0.172 acres (7,500 sqft)
OwnerCompany Name on Record
Last Sale$1,375,000 (Oct 2020)
Tax Bill$14,849 (2024)
Deeds & MortgagesMar 2022 Mortgage
Oct 2020 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00394486-001800

Property Details

APN / Parcel Number

Primary APN00394486-001800
Alternative APNs
  • 20643600394486001800
  • 1483401

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area3,023 sqft Living Area
1st Floor Area2,383 sqft
Basement Area304 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2017
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Foundation TypePile
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area7,500 sqft (0.172 acres)
Lot Dimensions100 ft deep x 75 ft wide
View / LotCanal
Garage TypeCovered
Garage Area513 sqft

Exterior Amenities

Pool Area275 sqft
PorchFlorida Room
Porch Area828 sqft
Patio Area447 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1483401
Street Address110 EL CAPITAN DR
CityISLAMORADA
StateFL
Zip33036-4105
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS-M
Legal DescriptionLT 18 PORT ANTIGUA-PLAT NO 1 LOWER MATECUMBE KEY PB6-13 OR434-97/99 OR805-1716 OR1786-386 OR1925-467 OR1993-1301 OR2166-2455C OR2191-30 OR3051-1947
Legal Range36E
Legal Township64S
Legal Section20
Legal SubdivisionPORT ANTIGUA PLAT NO 1
Legal Lot Number18
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group1
Census Block1020
Census Tract970900

Owner

Source: Monroe County records, as of April 14, 2026

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

Owner of RecordCompany Name on Record
Mailing Address6051 SW 85TH ST, MIAMI, FL 33143-8143
Owner TypeCompany
VestingLimited Liability Company

Deeds, Mortgages & Sale History

DateDocument
Mar 9, 2022Deed of Trust, Mortgage · Conventional Mortgage
MORGAN STANLEY PRIVATE BANK NA
Oct 21, 2020Warranty Deed, Transfer · Conventional Mortgage
MORGAN STANLEY PRIVATE BANK NA

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 21, 2020 · Amount on Record
Deed SaleOct 21, 2020 · Amount on Record
Prior SaleMar 3, 2006 · Amount on Record
Deed Document Number20202287201
Deed Book / Page3051 / 1947
Record UpdatedOct 29, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address110 EL CAPITAN DR, ISLAMORADA, FL 33036-4105
Transaction TypeMortgage
Record UpdatedJul 29, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address6051 SW 85TH ST, SOUTH MIAMI, FL 33143-8143

Mortgage

Document Number0031592408
DateMar 9, 2022
Book Page3159/2408
Instrument2365132
Lender
NameMORGAN STANLEY PRIVATE BANK NA
TypeBank
AddressCINCINNATI, OH 45245
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term344 Months
DueNov 1, 2050

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateOct 21, 2020
Property Address110 EL CAPITAN DR, ISLAMORADA, FL 33036-4105
Document Number0030511947
Book / Page3051 / 1947
Map ReferenceMB 6 PG 13
Instrument DateOct 15, 2020
Instrument2287201
Transaction TypeTransfer
Record UpdatedJul 29, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$9,625.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address107 SW 53RD TER, 107, CAPE CORAL, FL 33914-7145

Transferred To (Grantee/Buyer)

NameVerified Name
Address6051 SW 85TH ST, SOUTH MIAMI, FL 33143-8143

Mortgage

Document Number0030511949
DateOct 21, 2020
Instrument3051/1949
Lender
NameMORGAN STANLEY PRIVATE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2050

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$1,831,990 (-4.55%) Land $1,152,000 Building $679,990$1,831,990 (-4.55%) Land $1,152,000 Building $679,990
2024$14,849.00 (+1.6%)
2023$14,615.00 (+11.28%)$1,919,279 (+17.93%) Land $1,275,000 Building $644,279$1,919,279 (+17.93%) Land $1,275,000 Building $644,279
2022$13,134.00$1,627,489 Land $975,000 Building $652,489$1,627,489 Land $975,000 Building $652,489

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 Elevation7.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 493 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies650 units insured
incl. 157 condo units
Nearby Flood Claims553 (1981–2020)
Claims Outside the SFHA2 of 553
Most Recent ClaimNov 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 RiskNot rated
no burnable land within 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 231 locations within half a mile, as of December 31, 2025

ProviderMax 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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