130 N Hammock Rd, Islamorada, FL 33036 Property Records

Monroe County property record for 130 N Hammock Rd, Islamorada, FL 33036

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,376 sqft · built 1962
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Jun 2026)
Tax Bill	$6,351 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jan 2024 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`00403390-000000`

Property Details

APN / Parcel Number

Primary APN	`00403390-000000`
Alternative APNs	`27633700403390000000` `1495697`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,376 sqft Living Area
1st Floor Area	1,376 sqft
Flooring	Ceramic Tile
Interior Walls	Plywood

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2009
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Flat
Roof Material	Composition Shingle
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Deck Area	328 sqft
Patio Area	646 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1495697
Street Address	130 N HAMMOCK RD
City	ISLAMORADA
State	FL
Zip	33036-3508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	LOT 34 THE HAMMOCK PB3-50 UPPER MATECUMBE OR191-247 OR194-290 OR629-947 OR650-250 OR780-1359 OR784-1590 OR785-1858 OR981-2045AFF OR1101-1082 OR1273-811 OR1282-84 OR2011-1301 OR2050-1252 OR2799-1406 OR2810-1192 OR2850-922 OR3258-1555
Legal Range	37E
Legal Township	63S
Legal Section	27
Legal Subdivision	HAMMOCK, THE
Legal Lot Number	34
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2026
Census Tract	970900

Owner

130 N Hammock Rd is owned by two individuals who bought it in June 2026.

Source: Monroe County records, as of July 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7231 SW 165TH ST, PALMETTO BAY, FL 33157-2502
Owner Type	Individual
Vesting	Married Couple

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
Jun 26, 2026	Warranty Deed, Transfer · Conventional Mortgage BMO HARRIS BANK
Jan 16, 2024	Warranty Deed, Transfer
May 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage GLEN & NADINE LAHTI
Apr 21, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2026 · Amount on File
Deed Sale	Jun 26, 2026 · Amount on File
Prior Sale	Jan 16, 2024 · Amount on File
Deed Document Number	20262549221
Deed Book / Page	3388 / 1297
Prior Transfer Date	Jul 26, 1993
Prior Transfer Doc	1273000811
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 26, 2026
Property Address	130 N HAMMOCK RD, ISLAMORADA, FL 33036-3508
Document Number	0002549221
Book / Page	3388 / 1297
Instrument Date	Jun 26, 2026
Instrument	20262549221
Transaction Type	Transfer
Record Updated	Jul 9, 2026
Title Company	CORAL REEF TITLE COMPANY, CORAL REEF TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$424,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7231 SW 165TH ST, PALMETTO BAY, FL 33157-2502

Mortgage

Document Number	0002549222,
Date	Jun 26, 2026
Instrument	20262549222

Lender

Name	BMO HARRIS BANK

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 16, 2024
Property Address	130 N HAMMOCK RD, ISLAMORADA, FL 33036-3508
Document Number	0032581555
Book / Page	3258 / 1555
Map Reference	MB 3 PG 50
Instrument Date	Jan 12, 2024
Instrument	2447802
Transaction Type	Transfer
Record Updated	Feb 6, 2024

Transaction

Amount	Amount on Record
Tax	$4,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130 N HAMMOCK RD, ISLAMORADA, FL 33036-3508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 N AIRPORT RD, TAVERNIER, FL 33070-2411

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	130 N HAMMOCK RD, ISLAMORADA, FL 33036-3508
Document Number	0029071371
Instrument Date	May 16, 2018
Transaction Type	Mortgage
Record Updated	Jul 3, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 70 TAVERNIER FL 330700070, TAVERNIER, FL 33070-0070

Mortgage

Document Number	0029071371
Date	May 18, 2018
Book Page	002907/001371
Instrument	2169748

Lender

Name	GLEN & NADINE LAHTI
Address	PO BOX 373006, KEY LARGO, FL 33037-8006

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 21, 2017
Property Address	130 N HAMMOCK RD, ISLAMORADA, FL 33036-3508
Document Number	0028500922
Book / Page	002850 / 000922
Instrument Date	Apr 21, 2017
Instrument	2119726
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,625.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 396 ISLAMORADA FL 330360396, ISLAMORADA, FL 33036-0396

Tax Assessment & Valuation

The 2025 property tax bill for 130 N Hammock Rd was $6,351, up 2.8% from the year before.

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	$6,351.00 (+2.83%)	$593,946 Land $358,338 Building $235,608	$593,946 Land $358,338 Building $235,608
2024	$6,176.00 (+170.88%)
2023	$2,280.00 (-0.22%) Senior Citizen's exemption	$184,270 (+3%)	$578,545 (+26.19%) Land $376,050 Building $202,495
2022	$2,285.00 Senior Citizen's exemption	$178,903	$458,486 Land $250,700 Building $207,786

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

FEMA maps place 130 N 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 130 N 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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