Monroe County property record for 123 E Ridge Rd, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,456 sqft · built 1982 |
| Lot Size | 0.327 acres (14,250 sqft) |
| Owner | Trust Name on Record |
| Last Sale | $650,000 (Sep 2020) |
| Tax Bill | $6,721 (2024) |
| Deeds & Mortgages | Jan 2018 Mortgage Sep 2020 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 00411690-000000 |
| Primary APN | 00411690-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,456 sqft Living Area |
| 1st Floor Area | 2,281 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Combination |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,250 sqft (0.327 acres) |
| Lot Dimensions | 142 ft deep x 100 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 1,106 sqft |
| Deck Area | 92 sqft |
| Patio Area | 92 sqft |
| Fence | Fence |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1505927 |
|---|---|
| Old Parcel Number | 13633700411690000000 |
| Street Address | 123 E RIDGE RD |
| City | ISLAMORADA |
| State | FL |
| Zip | 33036-3119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1 LTS 6 AND 7 PLANTATION RIDGE PB3-43 PLANTATION KEY OR438-718 OR438-719/20 OR834-1691 OR834-1698 OR934-691 OR1134-1016 |
| Legal Range | 37E |
| Legal Township | 63S |
| Legal Section | 13 |
| Legal Subdivision | PLANTATION RIDGE |
| Legal Block | 1 |
| Legal Lot Number | 6-7 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3050 |
| Census Tract | 970800 |
Source: Monroe County records, as of December 5, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Trust Name on Record |
|---|---|
| Mailing Address | 123 E RIDGE RD, ISLAMORADA, FL 33036-3119 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jan 22, 2018 | Deed of Trust, Mortgage · Commercial Mortgage CAPITAL BANK |
| Sep 2, 2020 | Warranty Deed, Transfer ABSOLUTE FIRST TITLE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 2, 2020 · Amount on Record |
| Deed Sale | Sep 2, 2020 · Amount on Record |
| Prior Sale | Apr 28, 2014 · Amount on Record |
| Deed Document Number | 2280128 |
| Deed Book / Page | 3041 / 2073 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 123 E RIDGE RD, ISLAMORADA, FL 33036-3119 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0028880560 |
|---|---|
| Date | Jan 22, 2018 |
| Book Page | 2888/0560 |
| Instrument | 2152023 |
| Name | CAPITAL BANK |
|---|---|
| Type | Bank |
| Address | TAVERNIER, FL 33070 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 2, 2020 |
| Property Address | 123 E RIDGE RD, ISLAMORADA, FL 33036-3119 |
| Document Number | 0030412073 |
| Book / Page | 003041 / 002073 |
| Instrument Date | Sep 2, 2020 |
| Instrument | 2280128 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2020 |
| Title Company | ABSOLUTE FIRST TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,550.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 123 E RIDGE RD ISLAMORADA FL 330363119, ISLAMORADA, FL 33036-3119 |
Source: Monroe County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Municipality | Islamorada, Village Of Islands |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $582,921 (+5.99%) | $978,228 (+19.6%) Land $653,790 Building $324,438 | |
| 2024 | $6,721.00 (+0.63%) | ||
| 2023 | $6,679.00 (+1.5%) Homeowner's exemption | $549,994 (+3%) | $817,916 (+0.46%) Land $516,705 Building $301,211 |
| 2022 | $6,580.00 Homeowner's exemption | $533,975 | $814,149 Land $511,433 Building $302,716 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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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