122 E Ridge Rd, Islamorada, FL 33036 Property Records

Monroe County property record for 122 E Ridge Rd, Islamorada, FL 33036

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,700 sqft · built 1957
Lot Size	0.164 acres (7,125 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Jul 2008)
Tax Bill	$1,034 (2024)
Deeds & Mortgages	Sep 2020 Reverse Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00411920-000000`

Property Details

APN / Parcel Number

Primary APN	`00411920-000000`
Alternative APN	`1506168`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,700 sqft Living Area
1st Floor Area	1,700 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1957
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,125 sqft (0.164 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Deck Area	56 sqft
Patio Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1506168
Street Address	122 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	BK 2 LT 6 PLANTATION RIDGE PB3-43 PLANTATION KEY OR187-578/79 OR1226-1643/44AFF OR1271-648DC/AFF OR1293-2104 OR1663-1094 OR2347-2391/96F/J OR2372-2259 OR2695-408D/C
Legal Range	37E
Legal Township	63S
Legal Section	13
Legal Subdivision	PLANTATION RIDGE
Legal Block	2
Legal Lot Number	6
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 24, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	122 E RIDGE RD, ISLAMORADA, FL 33036-3120
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2020	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Sep 2, 2020	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV
Mar 29, 2019	Loan Modification, Mortgage · Conventional Mortgage GEORGE SANDS
Mar 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage GEORGE SANDS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2008 · Amount on Record
Deed Sale	Jul 23, 2008 · Amount on Record
Prior Sale	Nov 21, 2000 · Amount on Record
Deed Document Number	20081704900
Deed Book / Page	2372 / 2259
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	122 E RIDGE RD, ISLAMORADA, FL 33036-3120
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 E RIDGE RD, ISLAMORADA, FL 33036-3120

Mortgage

Document Number	0030431886
Date	Sep 14, 2020
Book Page	3043/1886
Instrument	2281408

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.82%
Type Change Date	Oct 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	122 E RIDGE RD, ISLAMORADA, FL 33036-3120
Document Number	0030431899
Instrument Date	Sep 2, 2020
Transaction Type	Mortgage
Record Updated	Oct 6, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 E RIDGE RD ISLAMORADA FL 330363120, ISLAMORADA, FL 33036-3120

Mortgage

Document Number	0030431899
Date	Sep 14, 2020
Book Page	003043/001899
Instrument	2281409

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1032 Months

Interest

Rate Type	Adjustable Rate
Rate	2.82%

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	122 E RIDGE RD, ISLAMORADA, FL 33036-3120
Document Number	0029561739
Instrument Date	Mar 29, 2019
Transaction Type	Mortgage
Record Updated	May 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 E RIDGE RD ISLAMORADA FL 330363120, ISLAMORADA, FL 33036-3120

Mortgage

Document Number	0029561739
Date	Apr 2, 2019
Book Page	002956/001739
Instrument	2213631

Lender

Name	GEORGE SANDS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Apr 1, 2022

Interest

Rate	8%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	122 E RIDGE RD, ISLAMORADA, FL 33036-3120
Document Number	0028432376
Book / Page	002843 / 002376
Instrument Date	Mar 7, 2017
Transaction Type	Mortgage
Record Updated	Jun 13, 2017
Title Company	FLORIDA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028432376
Date	Mar 16, 2017
Book Page	002843/002376
Instrument	2114518

Lender

Name	GEORGE SANDS
Address	PO BOX 345, ISLAMORADA, FL 33036-0345

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Mar 15, 2020

Interest

Rate Type	Fixed Rate
Rate	8%

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		$299,802 (+5.99%)	$740,458 (+29.85%) Land $455,003 Building $285,455
2024	$1,034.00
2023	$1,034.00 Homeowner's exemption	$282,867 (+3%)	$570,252 (+6.33%) Land $359,599 Building $210,653
2022	$1,034.00 Homeowner's exemption	$274,629	$536,286 Land $355,929 Building $180,357

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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