114 E Ridge Rd, Islamorada, FL 33036 Property Records

Monroe County property record for 114 E Ridge Rd, Islamorada, FL 33036

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,844 sqft · built 1961
Lot Size	0.327 acres (14,250 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,046 (2024)
Deeds & Mortgages	Apr 2018 Mortgage Nov 2018 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00411910-000000`

Property Details

APN / Parcel Number

Primary APN	`00411910-000000`
Alternative APNs	`13633700411910000000` `1506150`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	2,844 sqft Living Area
Gross Area	3,514 sqft
1st Floor Area	2,844 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2011
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	14,250 sqft (0.327 acres)
Lot Dimensions	142 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	670 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	180 sqft
Deck Area	660 sqft
Patio Area	747 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1506150
Street Address	114 E RIDGE RD
City	ISLAMORADA
State	FL
Zip	33036-3120
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	LTS 4 & 5 SQR 2 PLANTATION RIDGE PB3-43 PLANTATION KEY OR551-44 OR836-993 OR1151-1506/07AFF-D/C OR1190-1804 OR1218-1717/19 CASE#92-2080-CP-08 OR1265-1449 OR1472-799/801 OR1472-802/04 OR1672-2139/40 OR1672-2148D/C OR2110-2014/15 OR2110-2041 OR2141-195
Legal Range	37E
Legal Township	63S
Legal Section	13
Legal Subdivision	PLANTATION RIDGE
Legal Block	2
Legal Lot Number	4,5
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3050
Census Tract	970800

Owner

Source: Monroe County records, as of March 19, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	19337 SW 78TH PL, CUTLER BAY, FL 33157-7521
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2018	Deed of Trust, Mortgage · Commercial Mortgage CENTENNIAL BANK
Nov 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BK
Nov 28, 2018	Quit Claim Deed ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2018
Deed Sale	Nov 28, 2018
Prior Sale	Sep 8, 2010 · Amount on Record
Deed Document Number	20182196139
Deed Book / Page	2938 / 78
Prior Transfer Date	Nov 26, 2018
Prior Transfer Doc	0029380078
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	114 E RIDGE RD, ISLAMORADA, FL 33036-3120
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028991994
Date	Apr 5, 2018
Book Page	2899/1994
Instrument	2162904

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	29 Months
Due	Sep 21, 2020

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	114 E RIDGE RD, ISLAMORADA, FL 33036-3120
Document Number	0029380081
Instrument Date	Nov 26, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	19337 SW 78TH PL CUTLER BAY FL 331577521, CUTLER BAY, FL 33157-7521

Mortgage

Document Number	0029380081
Date	Nov 28, 2018
Book Page	002938/000081
Instrument	2196141

Lender

Name	CENTENNIAL BK
Type	Bank
Address	CONWAY, AZ 72033

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 27, 2048

Interest

Rate Type	Adjustable Rate
Rate	6.37%

November 2018: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Nov 28, 2018
Property Address	114 E RIDGE RD, ISLAMORADA, FL 33036-3120
Document Number	0029380078
Book / Page	002938 / 000078
Instrument Date	Nov 26, 2018
Instrument	2196139
Record Updated	Jan 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	114 E RIDGE RD ISLAMORADA FL 330363120, ISLAMORADA, FL 33036-3120

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		$1,205,615 (+15.1%) Land $653,790 Building $551,825	$1,205,615 (+15.1%) Land $653,790 Building $551,825
2024	$10,046.00 (+5.14%)
2023	$9,555.00 (+4.4%)	$1,047,462 (-0.2%) Land $516,705 Building $530,757	$1,047,462 (-0.2%) Land $516,705 Building $530,757
2022	$9,152.00	$1,049,555 Land $511,433 Building $538,122	$1,049,555 Land $511,433 Building $538,122

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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 624 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,096 units insured incl. 472 condo units
Nearby Flood Claims	190 (1982–2020)
Most Recent Claim	Sep 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 Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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 88 locations within half a mile, as of December 31, 2025

Provider	Max 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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