1. Home
  2. Florida
  3. Monroe County
  4. Islamorada
  5. E Ridge Rd

128 E Ridge Rd, Islamorada, FL 33036 Property Records

Monroe County property record for 128 E Ridge Rd, Islamorada, FL 33036

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 2,236 sqft · built 1963
Lot Size0.245 acres (10,687 sqft)
Owner2 Individual Names on Record
Last Sale$768,000 (Aug 2025)
Tax Bill$6,108 (2024)
Deeds & MortgagesApr 2022 Transfer
Oct 2018 Mortgage
Flood ZoneZone AE (high risk)
APN00411940-000000

Property Details

APN / Parcel Number

Primary APN00411940-000000
Alternative APNs
  • 13633700411940000000
  • 1506184

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area2,236 sqft Living Area
1st Floor Area2,236 sqft
FlooringConcrete/Cement
Interior WallsPlywood

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 2008
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area10,687 sqft (0.245 acres)
Lot Dimensions142 ft deep x 75 ft wide
Garage TypeCovered
Garage Area286 sqft
PorchFlorida Room
Porch Area596 sqft
Patio Area110 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1506184
Street Address128 E RIDGE RD
CityISLAMORADA
StateFL
Zip33036-3120
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionSQR 2 LOT 8 NORTH 1/2 OF LOT 9 PLANTATION RIDGE PB3-43 PLANTATION KEY OR107-106 OR651-200 OR651-201 OR2034-2215 OR2168-1237 OR2351-251/53 OR2429-1022/23 OR3165-1064 OR3165-1064
Legal Range37E
Legal Township63S
Legal Section13
Legal SubdivisionPLANTATION RIDGE
Legal Lot Number8,9
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group3
Census Block3050
Census Tract970800

Owner

Source: Monroe County records, as of March 19, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address128 E RIDGE RD, ISLAMORADA, FL 33036-3120
OccupancyOwner Occupied
Owner TypeIndividual
VestingHis Wife

Deeds, Mortgages & Sale History

DateDocument
Apr 4, 2022Intrafamily Transfer, Transfer
ATTORNEY
Oct 23, 2018Deed of Trust, Mortgage · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 29, 2025 · Amount on Record
Deed SaleAug 29, 2025 · Amount on Record
Prior SaleNov 29, 2005 · Amount on Record
Deed Document Number20252513570
Deed Book / Page3342 / 1922
Prior Transfer DateApr 4, 2022
Prior Transfer Doc0031651064
Record UpdatedSep 20, 2026

April 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateApr 4, 2022
Property Address128 E RIDGE RD, ISLAMORADA, FL 33036-3120
Document Number0031651064
Book / Page3165 / 1064
Map ReferenceMB 3 PG 43
Instrument DateApr 4, 2022
Instrument2369080
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust
Address128 RIDGE ST, TAVERNIER, FL 33070

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address128 E RIDGE RD, ISLAMORADA, FL 33036-3120
Transaction TypeMortgage
Record UpdatedDec 21, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0029330390
DateOct 23, 2018
Book Page2933/0390
Instrument2191858
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2048

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$813,772 (+18.48%) Land $576,457 Building $237,315$813,772 (+18.48%) Land $576,457 Building $237,315
2024$6,108.00 (+4.79%)
2023$5,829.00 (+3.66%)$686,845 (+0.36%) Land $455,587 Building $231,258$686,845 (+0.36%) Land $455,587 Building $231,258
2022$5,623.00$684,409 Land $450,938 Building $233,471$684,409 Land $450,938 Building $233,471

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 624 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1,096 units insured
incl. 472 condo units
Nearby Flood Claims190 (1982–2020)
Most Recent ClaimSep 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 RiskLow
lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood0.02% 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 88 locations within half a mile, as of December 31, 2025

ProviderMax 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.

Nearby Properties on E Ridge Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures