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120 S Hammock Rd, Islamorada, FL 33036 Property Records

Monroe County property record for 120 S Hammock Rd, Islamorada, FL 33036

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,365 sqft · built 1967
Lot Size0.23 acres (10,000 sqft)
Owner2 Individual Names on File
Last Sale$135,000 (Aug 1994)
Tax Bill$3,208 (2024)
Deeds & MortgagesJun 2021 Mortgage
Apr 2019 Sale
Flood ZoneZone AE (high risk)
APN00403110-000000

Property Details

APN / Parcel Number

Primary APN00403110-000000
Alternative APNs
  • 27633700403110000000
  • 1495417

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,365 sqft Living Area
1st Floor Area2,365 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1967
Effective Year BuiltEffective 2005
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area10,000 sqft (0.23 acres)
Lot Dimensions100 ft deep x 100 ft wide

Exterior Amenities

PorchFlorida Room
Porch Area418 sqft
Deck Area900 sqft
Patio Area900 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1495417
Street Address120 S HAMMOCK RD
CityISLAMORADA
StateFL
Zip33036-3509
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionLOTS 5 AND 6 THE HAMMOCK PB3-50 UPPER MATECUMBE OR338-270 OR727-429 OR852-2396 OR981-2044AFF OR981-2045AFF OR1318-862 OR1906-1186/87 OR2956-1309
Legal Range37E
Legal Township63S
Legal Section27
Legal SubdivisionHAMMOCK, THE
Legal Lot Number5,6
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2003
Census Tract970900

Owner

120 S Hammock Rd is owned and occupied by two individuals who acquired it in March 2019.

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

Owner of Record2 Individual Names on File
Mailing Address120 S HAMMOCK RD, ISLAMORADA, FL 33036-3509
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Jun 30, 2021Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC
Apr 1, 2019Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 5, 1994 · Amount on File
Deed SaleAug 5, 1994 · Amount on File
Deed Book / Page1318 / 862
Last Transfer DateMar 31, 2019
Transfer Doc0029561309
Record UpdatedJun 8, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address120 S HAMMOCK RD, ISLAMORADA, FL 33036-3509
Transaction TypeMortgage
Record UpdatedDec 21, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address120 S HAMMOCK RD, ISLAMORADA, FL 33036-3509

Mortgage

Document Number0031090826
DateJun 30, 2021
Book Page3109/826
Instrument2328038
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2051

April 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateApr 1, 2019
Property Address120 S HAMMOCK RD, ISLAMORADA, FL 33036-3509
Document Number0029561309
Book / Page002956 / 001309
Instrument DateMar 31, 2019
Instrument2213466
Transaction TypeTransfer
Record UpdatedMay 14, 2019
Title CompanyNOT AVAILABLE

Transaction

AmountAmount on Record
Tax$0.70
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address120 S HAMMOCK RD ISLAMORADA FL 330363509, ISLAMORADA, FL 33036-3509

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$295,376$886,136 Land $565,450 Building $320,686
2024$3,208.00 (+0.82%)
2023$3,182.00 (+1.66%) Homeowner's exemption$278,692 (+3%)$882,218 (+28.16%) Land $593,400 Building $288,818
2022$3,130.00 Homeowner's exemption$270,575$688,378 Land $395,600 Building $292,778

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 120 S Hammock Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File
median of 265 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies387 units insured
incl. 122 condo units
Nearby Flood Claims582 (1982–2022)
Claims Outside the SFHA21 of 582
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Irma, Sep 2017 · 197 claims
  • Hurricane Irene, Oct 1999 · 80 claims
  • Hurricane Georges, Sep 1998 · 84 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

Wildfire risk around 120 S Hammock Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 96% 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 110 locations within half a mile, as of December 31, 2025

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

May also be available: Hotwire Communications, T-Mobile.

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