128 S Hammock Rd, Islamorada, FL 33036 Property Records

Monroe County property record for 128 S Hammock Rd, Islamorada, FL 33036

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,020 sqft · built 1962
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,611 (2024)
Deeds & Mortgages	May 2020 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00403130-000000`

Property Details

APN / Parcel Number

Primary APN	`00403130-000000`
Alternative APNs	`27633700403130000000` `1495433`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,020 sqft Living Area
1st Floor Area	1,020 sqft
Flooring	Terrazzo
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Tar & Gravel
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Covered
Garage Area	276 sqft
Porch	Open Porch
Porch Area	251 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1495433
Street Address	128 S HAMMOCK RD
City	ISLAMORADA
State	FL
Zip	33036-3509
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	LT 8 THE HAMMOCK PB3-50 UPPER MATECUMBE OR472-703/04 OR358-108/09 OR358-110/11 OR389-955 OR955-137 OR955-139D/C OR1989-1870 OR2056-993C OR2060-1454RS OR2700-2113/15 OR2759-1143/44 OR3011-1842
Legal Range	37E
Legal Township	63S
Legal Section	27
Legal Subdivision	HAMMOCK, THE
Legal Lot Number	8
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2003
Census Tract	970900

Owner

128 S Hammock Rd is owned and occupied by two individuals who acquired it in March 2020.

Source: Monroe County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	128 S HAMMOCK RD, ISLAMORADA, FL 33036-3509
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage ABSOLUTE HOME MORTGAGE CORP
Dec 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage ABSOLUTE HOME MORTGAGE CORP
Mar 3, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2020
Deed Sale	Mar 3, 2020
Prior Sale	Sep 4, 2015 · Amount on File
Deed Document Number	20202258402
Deed Book / Page	3011 / 1842
Prior Transfer Date	Mar 2, 2020
Prior Transfer Doc	0030111842
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	128 S HAMMOCK RD, ISLAMORADA, FL 33036-3509
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030202372
Date	May 5, 2020
Book Page	3020/2372
Instrument	2265102

Lender

Name	ABSOLUTE HOME MORTGAGE CORP
Type	Mortgage Company
Address	FAIRFIELD, NJ 07004

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	128 S HAMMOCK RD, ISLAMORADA, FL 33036-3509
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5300 SW 67TH AVE, MIAMI, FL 33155-5732

Mortgage

Document Number	0030630173
Date	Dec 16, 2020
Book Page	3063/173
Instrument	2295309

Lender

Name	ABSOLUTE HOME MORTGAGE CORP
Type	Mortgage Company
Address	FAIRFIELD, NJ 07004

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	353 Months
Due	May 1, 2050

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Mar 3, 2020
Property Address	128 S HAMMOCK RD, ISLAMORADA, FL 33036-3509
Document Number	0030111842
Book / Page	003011 / 001842
Instrument Date	Mar 2, 2020
Instrument	2258402
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	128 S HAMMOCK RD ISLAMORADA FL 330363509, ISLAMORADA, FL 33036-3509

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		$342,150	$527,232 Land $358,338 Building $168,894
2024	$3,611.00 (-10.35%)
2023	$4,028.00 (+7.84%) Homeowner's exemption	$428,001 (+18.01%)	$533,180 (+29.44%) Land $376,050 Building $157,130
2022	$3,735.00 Homeowner's exemption	$362,669	$411,919 Land $250,700 Building $161,219

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 128 S Hammock Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File median of 265 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	387 units insured incl. 122 condo units
Nearby Flood Claims	582 (1982–2022)
Claims Outside the SFHA	21 of 582
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 197 claims Hurricane Irene, Oct 1999 · 80 claims Hurricane Georges, Sep 1998 · 84 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

Wildfire risk around 128 S Hammock Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	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 110 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications, T-Mobile.

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