126 Sapodilla Dr, Islamorada, FL 33036 Property Records

Monroe County property record for 126 Sapodilla Dr, Islamorada, FL 33036

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,848 sqft · built 1986
Lot Size	0.36 acres (15,675 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,265,000 (Mar 2015)
Tax Bill	$17,033 (2024)
Deeds & Mortgages	Jun 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00394350-000000`

Property Details

APN / Parcel Number

Primary APN	`00394350-000000`
Alternative APNs	`20643600394350000000` `1482706`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,488 sqft Living Area
Gross Area	3,608 sqft
1st Floor Area	1,848 sqft
Basement Area	640 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2016
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	15,675 sqft (0.36 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	1,120 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	1,430 sqft
Deck Area	2,100 sqft
Patio Area	3,400 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1482706
Street Address	126 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 26 MATECUMBE SANDY BEACH LOWER MATCMBE KEY PB3-127 OR142-375/377 OR802-1838 OR815-1681 OR888-153Q/C OR1113-877T/D OR1119-1182/83FJ OR1119-192ORDER OR1165-1742 OR1165-1741 OR1466-318 OR2727-672
Legal Range	36E
Legal Township	64S
Legal Section	20
Legal Subdivision	MATECUMBE SANDY BEACH
Legal Block	3
Legal Lot Number	26
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	1660 BHAMPTON SAG HARBOR TPKE, SAG HARBOR, NY 11963-3705
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2015 · Amount on Record
Deed Sale	Mar 3, 2015 · Amount on Record
Prior Sale	Apr 1, 1991 · Amount on Record
Deed Document Number	20152018060
Deed Book / Page	2727 / 672
Transfer Doc	1466000318
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	126 SAPODILLA DR, ISLAMORADA, FL 33036-4102
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029110627
Date	Jun 12, 2018
Book Page	2911/0627
Instrument	2173075

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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		$2,289,879 (+3.81%) Land $1,645,248 Building $644,631	$2,289,879 (+3.81%) Land $1,645,248 Building $644,631
2024	$17,033.00 (+4.33%)
2023	$16,326.00 (+17.48%)	$2,205,759 (+37.99%) Land $1,587,094 Building $618,665	$2,205,759 (+37.99%) Land $1,587,094 Building $618,665
2022	$13,897.00	$1,598,543 Land $983,998 Building $614,545	$1,598,543 Land $983,998 Building $614,545

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