128 Plantation Dr, Tavernier, FL 33070 Property Records

Monroe County property record for 128 Plantation Dr, Tavernier, FL 33070

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,092 sqft · built 1983
Lot Size	0.185 acres (8,050 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,180,000 (Jul 2026)
Tax Bill	$2,440 (2025)
Deeds & Mortgages	Jul 2026 Sale Jul 2026 Sale + 6 more
Flood Zone	Zone AE (high risk)
APN	`00436920-000000`

Property Details

APN / Parcel Number

Primary APN	`00436920-000000`
Alternative APNs	`04633800436920000000` `1534846`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1995
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,050 sqft (0.185 acres)
Lot Dimensions	115 ft deep x 70 ft wide
View / Lot	Canal
Garage Type	Covered
Garage Area	336 sqft
Porch	Open Porch
Porch Area	1,380 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1534846
Street Address	128 PLANTATION DR
City	TAVERNIER
State	FL
Zip	33070-2316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 6 LT 22 REVISED PLAT OF TROPICAL ATLANTIC SHORES FIRST ADD PLANTATION KEY PB5-83 OR587-437 OR778-59/60 OR3204-0140
Legal Range	38E
Legal Township	63S
Legal Section	04
Legal Subdivision	TROPICAL ATLANTIC SHORES 1ST ADD
Legal Block	6
Legal Lot Number	22
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3004
Census Tract	970800

Owner

Source: Monroe County records, as of August 4, 2026

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	2020 NE 120TH RD, NORTH MIAMI, FL 33181-3314
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Affidavit, Transfer
Jul 6, 2026	Affidavit, Transfer
Jul 6, 2026	Warranty Deed, Transfer · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC
Dec 7, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Sep 2, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
May 15, 2017	Deed of Trust, Mortgage · Reverse Mortgage ONE REVERSE MORTGAGE LLC
Jan 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY
May 3, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2026 · Amount on Record
Deed Sale	Jul 6, 2026 · Amount on Record
Prior Sale	Dec 1, 1978 · Amount on Record
Deed Document Number	20262550275
Deed Book / Page	3390 / 671
Prior Transfer Date	Nov 4, 2022
Prior Transfer Doc	0032040140
Record Updated	Oct 29, 2026

July 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	MONROE FL
Recording Date	Jul 6, 2026
Property Address	128 PLANTATION DR, TAVERNIER, FL 33070-2316
Document Number	0002550280
Book / Page	3390 / 697
Instrument Date	Jul 3, 2026
Instrument	20262550280
Transaction Type	Transfer
Record Updated	Aug 4, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	MONROE FL
Recording Date	Jul 6, 2026
Property Address	128 PLANTATION DR, TAVERNIER, FL 33070-2316
Document Number	0002550279
Book / Page	3390 / 695
Instrument Date	Jul 3, 2026
Instrument	20262550279
Transaction Type	Transfer
Record Updated	Aug 4, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 6, 2026
Property Address	128 PLANTATION DR, TAVERNIER, FL 33070-2316
Document Number	0002550275
Book / Page	3390 / 671
Instrument Date	Jun 3, 2026
Instrument	20262550275
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$834,260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2020 NE 120TH RD, NORTH MIAMI, FL 33181-3314

Mortgage

Document Number	0002550276,
Date	Jul 6, 2026
Book Page	3390/673
Instrument	20262550276

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Dec 7, 2022
Property Address	128 PLANTATION DR, TAVERNIER, FL 33070-2316
Document Number	0032040140
Book / Page	3204 / 140
Map Reference	MB 5 PG 83
Instrument Date	Nov 4, 2022
Instrument	2399829
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	128 PLANTATION DR, TAVERNIER, FL 33070-2316

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	128 PLANTATION DR, TAVERNIER, FL 33070-2316

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	128 PLANTATION DR, TAVERNIER, FL 33070-2316
Transaction Type	Mortgage
Record Updated	Sep 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 PLANTATION DR, TAVERNIER, FL 33070-2316

Mortgage

Document Number	0031232001
Date	Sep 2, 2021
Book Page	3123/2001
Instrument	2338204

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	871 Months
Due	Apr 23, 2094

Interest

Rate Type	Adjustable Rate
Rate	1.87%
Type Change Date	Oct 1, 2021
Change Frequency	Annually
Index	1-Year CMT

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	128 PLANTATION DR, TAVERNIER, FL 33070-2316
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028541014
Date	May 15, 2017
Book Page	2854/1014
Instrument	2123039

Lender

Name	ONE REVERSE MORTGAGE LLC
Type	Reverse Mortgage Lender
Address	SAN DIEGO, CA 92121

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	923 Months
Due	Apr 23, 2094

Interest

Rate Type	Adjustable Rate
Rate	4.52%
Type Change Date	Jun 1, 2018
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	128 PLANTATION DR, TAVERNIER, FL 33070-2316
Document Number	0029792147
Instrument Date	Jan 25, 2019
Transaction Type	Mortgage
Record Updated	Aug 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	128 PLANTATION DR TAVERNIER FL 330702316, TAVERNIER, FL 33070-2316

Mortgage

Document Number	0029792147
Date	Aug 14, 2019
Book Page	002979/002147
Instrument	2232592

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	1100 SIMONTON ST, KEY WEST, FL 33040-3110

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 13, 2039

Interest

Rate	12%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	128 PLANTATION DR, TAVERNIER, FL 33070-2316
Document Number	0028541028
Instrument Date	May 3, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	128 PLANTATION DR TAVERNIER FL 330702316, TAVERNIER, FL 33070-2316

Mortgage

Document Number	0028541028
Date	May 15, 2017
Book Page	002854/001028
Instrument	2123040

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	924 Months
Due	May 14, 2094

Interest

Rate Type	Adjustable Rate
Rate	4.52%

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	$2,440.00 (-8.44%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$239,869 (+5.99%)	$1,414,805 (+11.89%) Land $1,195,425 Building $219,380
2024	$2,665.00 (+0.87%)
2023	$2,642.00 (+1.62%) Homeowner's exemption	$226,320 (+3%)	$1,264,434 (+29.93%) Land $1,058,575 Building $205,859
2022	$2,600.00 Homeowner's exemption	$219,729	$973,166 Land $764,750 Building $208,416

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	8.0 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 99.1% of the US · lower than 98.7% 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 310 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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