127 E Ridge Rd, Islamorada, FL 33036 Property Records

Monroe County property record for 127 E Ridge Rd, Islamorada, FL 33036

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,102 sqft · built 1982
Lot Size	0.163 acres (7,124 sqft)
Owner	Individual Name on Record
Last Sale	$478,500 (Jun 2017)
Tax Bill	$6,025 (2024)
Deeds & Mortgages	Jun 2020 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00411700-000000`

Property Details

APN / Parcel Number

Primary APN	`00411700-000000`
Alternative APNs	`13633700411700000000` `1505935`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,102 sqft Living Area
1st Floor Area	1,102 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2014
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,124 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	1,096 sqft
Patio Area	84 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1505935
Old Parcel Number	13633700411700000000
Street Address	127 E RIDGE RD
City	ISLAMORADA
State	FL
Zip	33036-3119
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1 LT 8 PLANTATION RIDGE PB3-43 PLANTATION KEY OR352-18 OR665-662 OR829-1563 OR837-347C OR1602-2353/54 OR1679-1565
Legal Range	37E
Legal Township	63S
Legal Section	13
Legal Subdivision	PLANTATION RIDGE
Legal Block	1
Legal Lot Number	8
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 December 5, 2025

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
Co-owner	Co-owner on Record
Mailing Address	5236 WOODSTONE CIR S, LAKE WORTH, FL 33463-5818
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Jun 5, 2017	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2017 · Amount on Record
Deed Sale	Jun 5, 2017 · Amount on Record
Prior Sale	May 27, 2016 · Amount on Record
Deed Document Number	2125925
Deed Book / Page	2857 / 2228
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	127 E RIDGE RD, ISLAMORADA, FL 33036-3119
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030270092
Date	Jun 16, 2020
Book Page	3027/92
Instrument	2269543

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company
Address	DALLAS, TX 75243

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 4, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 5, 2017
Property Address	127 E RIDGE RD, ISLAMORADA, FL 33036-3119
Document Number	0028572228
Book / Page	2857 / 2228
Map Reference	MB3 PG43
Instrument Date	May 15, 2017
Instrument	2125925
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ASSOCIATION TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	127 E RIDGE RD, 127, ISLAMORADA, FL 33036-3119

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5236 WOODSTONE CIR S, LAKE WORTH, FL 33463-5818

Mortgage

Document Number	0002125926
Date	Jun 5, 2017
Instrument	2125926

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$719,384 (+18.37%) Land $455,003 Building $264,381	$719,384 (+18.37%) Land $455,003 Building $264,381
2024	$6,025.00 (+4.93%)
2023	$5,742.00 (+3.97%)	$607,759 (+0.12%) Land $359,599 Building $248,160	$607,759 (+0.12%) Land $359,599 Building $248,160
2022	$5,523.00	$607,028 Land $355,929 Building $251,099	$607,028 Land $355,929 Building $251,099

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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