118 Sapodilla Dr, Islamorada, FL 33036 Property Records

Monroe County property record for 118 Sapodilla Dr, Islamorada, FL 33036

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,659 sqft · built 1961
Lot Size	0.37 acres (16,125 sqft)
Owner	2 Individual Names on Record
Last Sale	$800,000 (Jan 2013)
Tax Bill	$17,334 (2024)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00394370-000000`

Property Details

APN / Parcel Number

Primary APN	`00394370-000000`
Alternative APNs	`20643600394370000000` `1482722`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,659 sqft Living Area
1st Floor Area	1,659 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	16,125 sqft (0.37 acres)
View / Lot	Waterfront

Exterior Amenities

Porch	Open Porch
Porch Area	551 sqft
Deck Area	580 sqft
Patio Area	836 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1482722
Street Address	118 SAPODILLA DR
City	ISLAMORADA
State	FL
Zip	33036-4102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 3 LT 28 MATECUMBE SANDY BEACH LOWER MATECMBE KEY PB3-127 OR427-32 OR677-95 OR789-747 OR811-1839 OR941-1685 OR941-1686AFF OR941-1687D/C OR1190-736 OR2566-1210C/T OR2610-2323
Legal Range	36E
Legal Township	64S
Legal Section	20
Legal Subdivision	MATECUMBE SANDY BEACH
Legal Block	3
Legal Lot Number	28
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1007
Census Tract	970900

Owner

Source: Monroe County records, as of December 8, 2025

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	118 SAPODILLA DR, ISLAMORADA, FL 33036-4102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2013 · Amount on Record
Deed Sale	Jan 30, 2013 · Amount on Record
Prior Sale	Apr 24, 2012
Deed Document Number	20131917890
Deed Book / Page	2610 / 2323
Prior Transfer Date	Apr 20, 2012
Prior Transfer Doc	0025661208
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	118 SAPODILLA DR, ISLAMORADA, FL 33036-4102
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 SAPODILLA DR, ISLAMORADA, FL 33036-4102

Mortgage

Document Number	0030432162
Date	Sep 14, 2020
Book Page	3043/2162
Instrument	2281483

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

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		$1,941,630 (+2.78%) Land $1,651,200 Building $290,430	$1,941,630 (+2.78%) Land $1,651,200 Building $290,430
2024	$17,334.00 (+36.38%)
2023	$12,710.00 (+21.6%)	$1,889,118 (+47.3%) Land $1,612,500 Building $276,618	$1,889,118 (+47.3%) Land $1,612,500 Building $276,618
2022	$10,452.00	$1,282,463 Land $999,750 Building $282,713	$1,282,463 Land $999,750 Building $282,713

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	7.0 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	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 Risk	Low lower than 98% of the US · lower than 97.6% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · 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