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118 Cortez Dr, #E1, Islamorada, FL 33036 Property Records

Monroe County property record for 118 Cortez Dr, #E1, Islamorada, FL 33036

Property Summary

Property TypeCondominium
Details2 bd · 2 ba · 1,079 sqft · built 1980
Lot Size1 acres (44,912 sqft)
OwnerIndividual Name on Record
Last Sale$630,000 (Jun 2026)
Tax Bill$6,021 (2025)
Deeds & MortgagesJun 2026 Sale & Mortgage
May 2022 Transfer
+ 2 more
Flood ZoneZone AE (high risk)
APN00396220-000900

Property Details

APN / Parcel Number

Primary APN00396220-000900
Alternative APNs
  • 15643600396220000900
  • 8562365

Interior

Bedrooms2 Beds
Full Baths2 Baths
Building Area1,079 sqft Living Area

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1980
Architectural StyleCondo/Apartment
Lot Area44,912 sqft (1 acres)

Location & Zoning

Account Number8562365
Street Address118 CORTEZ DR, E1
CityISLAMORADA
StateFL
Zip33036-3923
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeINC
Legal DescriptionUNIT E-1 ISLAMORADA SOUTH NUMBER THREE A CONDOMINIUM OR840-249 OR1162-323/4 OR1690-2470 OR1690-2471 OR1691-1946 OR1691-1957 OR1695-1363/65 OR1695-1367/72L OR1698-2275 OR1698-2276 OR1698-2277/82 OR1971-1658 OR2340-1185 OR2866-301/03 OR3137-1855 OR3172
Legal Range36E
Legal Township64S
Legal Section15
Legal SubdivisionMATECUMBE OCEAN VIEW
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group1
Census Block1026
Census Tract970900

Owner

Source: Monroe County records, as of June 25, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address17061 SW 213TH LN, MIAMI, FL 33187-4328
Owner TypeIndividual
VestingMarried Man, Separate Property

Deeds, Mortgages & Sale History

DateDocument
Jun 12, 2026Warranty Deed, Transfer · Conventional Mortgage
EQUITABLE MORTGAGE AND INV
May 6, 2022Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Nov 15, 2021Warranty Deed, Transfer
COASTAL TITLE AND CLOSING SERVICES I, COASTAL TTL & CLOSING SVCS I
Jul 25, 2017Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 12, 2026 · Amount on Record
Deed SaleJun 12, 2026 · Amount on Record
Prior SaleNov 15, 2021 · Amount on Record
Deed Document Number20262547212
Deed Book / Page3385 / 2377
Transfer Doc1698002276
Record UpdatedOct 29, 2026

June 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJun 12, 2026
Property Address118 CORTEZ DR, E1, ISLAMORADA, FL 33036-3923
Document Number0002547212
Book / Page3385 / 2377
Instrument DateMay 29, 2026
Instrument20262547212
Transaction TypeTransfer
Record UpdatedJun 25, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$445,410.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address17061 SW 213TH LN, MIAMI, FL 33187-4328

Mortgage

Document Number0002547213,
DateJun 12, 2026
Instrument20262547213
Lender
NameEQUITABLE MORTGAGE AND INV
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2056
Interest
Rate TypeFixed Rate
Rate6.3%
Initial TypeFixed Rate
Max Rate-1%

May 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateMay 6, 2022
Property Address118 CORTEZ DR # E1, E1, ISLAMORADA, FL 33036-3923
Document Number0031720540
Book / Page3172 / 540
Map ReferenceMB 817 PG 918
Instrument DateMay 5, 2022
Instrument2374366
Transaction TypeTransfer
Record UpdatedMay 31, 2022
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address118 CORTEZ DR # DRE-1, 118, ISLAMORADA, FL 33036-3923

Transferred To (Grantee/Buyer)

NameVerified Name
Address118 CORTEZ DR # E-1, E-1, ISLAMORADA, FL 33036-3923

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateNov 15, 2021
Property Address118 CORTEZ DR # E1, E1, ISLAMORADA, FL 33036-3923
Document Number0031371855
Book / Page3137 / 1855
Map ReferenceMB 817 PG 918
Instrument DateNov 15, 2021
Instrument2348720
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyCOASTAL TITLE AND CLOSING SERVICES I, COASTAL TTL & CLOSING SVCS I

Transaction

AmountAmount Recorded
Tax$4,095.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5104 BEACON RD, 5104, PALMETTO, FL 34221-8764

Transferred To (Grantee/Buyer)

NameVerified Name
Address118 CORTEZ DR # E1, E1, ISLAMORADA, FL 33036-3923

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJul 25, 2017
Property Address118 CORTEZ DR # E1, E1, ISLAMORADA, FL 33036-3923
Document Number0028660301
Book / Page002866 / 000301
Instrument DateJul 19, 2017
Instrument2132656
Transaction TypeTransfer
Record UpdatedAug 10, 2017

Transaction

AmountAmount Recorded
Tax$2,625.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address5104 BEACON RD PALMETTO FL 342218764, PALMETTO, FL 34221-8764

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$6,021.00 (+0.13%)$559,783 (-4.77%) Building $559,783$559,783 (-4.77%) Building $559,783
2024$6,013.00 (-0.45%)
2023$6,040.00 (+9.88%)$587,816 (+20.08%) Building $587,816$587,816 (+20.08%) Building $587,816
2022$5,497.00$489,527 Building $489,527$489,527 Building $489,527

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 Elevation8.0 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 RiskLow
lower than 94% of the US · lower than 95% 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 62 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20

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