133 E Ridge Rd, Islamorada, FL 33036 Property Records

Monroe County property record for 133 E Ridge Rd, Islamorada, FL 33036

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,176 sqft · built 1999
Lot Size	0.327 acres (14,248 sqft)
Owner	Individual Name on Record
Last Sale	$10,500 (Feb 1998)
Tax Bill	$2,014 (2024)
Deeds & Mortgages	Dec 2019 Mortgage Dec 2019 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00411710-000000`

Property Details

APN / Parcel Number

Primary APN	`00411710-000000`
Alternative APNs	`13633700411710000000` `1505943`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,176 sqft Living Area
1st Floor Area	1,176 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2009
Exterior Material	Metal
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	14,248 sqft (0.327 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Area	720 sqft
Porch	Open Porch
Porch Area	436 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1505943
Old Parcel Number	13633700411710000000
Street Address	133 E RIDGE RD
City	ISLAMORADA
State	FL
Zip	33036-3119
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLANTATION RIDGE PB3-43 PLANTATION KEY LOTS 9 & 10 BK 1 OR540-504 OR540-505 OR1496-1301 OR1496-1297 OR1572-987/89DEC/REST
Legal Range	37E
Legal Township	63S
Legal Section	13
Legal Subdivision	PLANTATION RIDGE
Legal Block	1
Legal Lot Number	9-10 10
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	142 LULUKA PL, KIHEI, HI 96753-8988
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2019	Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA REVERSE
Dec 4, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Aug 24, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Aug 24, 2017	Deed of Trust, Mortgage ENNKAR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 1998 · Amount on Record
Deed Sale	Feb 3, 1998 · Amount on Record
Prior Sale	Mar 10, 2003 · Amount on Record
Deed Document Number	0014961301
Deed Book / Page	13633
Last Transfer Date	Jun 30, 2025
Transfer Doc	0033330591
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	133 E RIDGE RD, ISLAMORADA, FL 33036-3119
Document Number	0029981306
Instrument Date	Dec 4, 2019
Transaction Type	Mortgage
Record Updated	Jan 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 E RIDGE RD ISLAMORADA FL 330363119, ISLAMORADA, FL 33036-3119

Mortgage

Document Number	0029981306
Date	Dec 11, 2019
Book Page	002998/001306
Instrument	2247840

Lender

Name	FINANCE OF AMERICA REVERSE
Address	TULSA, OK 74133

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	864 Months
Due	Dec 10, 2091

Interest

Rate Type	Adjustable Rate
Rate	3.47%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	133 E RIDGE RD, ISLAMORADA, FL 33036-3119
Document Number	0029981320
Instrument Date	Dec 4, 2019
Transaction Type	Mortgage
Record Updated	Jan 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 E RIDGE RD ISLAMORADA FL 330363119, ISLAMORADA, FL 33036-3119

Mortgage

Document Number	0029981320
Date	Dec 11, 2019
Book Page	002998/001320
Instrument	2247841

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	864 Months
Due	Dec 10, 2091

Interest

Rate Type	Adjustable Rate
Rate	3.47%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	133 E RIDGE RD, ISLAMORADA, FL 33036-3119
Document Number	0028720299
Instrument Date	Aug 24, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 E RIDGE RD ISLAMORADA FL 330363119, ISLAMORADA, FL 33036-3119

Mortgage

Document Number	0028720299
Date	Sep 25, 2017
Book Page	002872/000299
Instrument	2137594

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	888 Months
Due	Sep 24, 2091

Interest

Rate Type	Adjustable Rate
Rate	4.6%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	133 E RIDGE RD, ISLAMORADA, FL 33036-3119
Document Number	0028720283
Instrument Date	Aug 24, 2017
Transaction Type	Mortgage
Record Updated	Oct 23, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 E RIDGE RD ISLAMORADA FL 330363119, ISLAMORADA, FL 33036-3119

Mortgage

Document Number	0028720283
Date	Sep 25, 2017
Book Page	002872/000283
Instrument	2137593

Lender

Name	ENNKAR
Address	2050 S SANTA CRUZ ST # 2100, ANAHEIM, CA 92805-6820

Agreement

Amount	Amount Recorded
Term	888 Months
Due	Sep 24, 2091

Interest

Rate Type	Adjustable Rate
Rate	4.6%

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		$857,616 (+383.74%) Land $647,645 Building $209,971	$857,616 (+15.53%) Land $647,645 Building $209,971
2024	$2,014.00 (+1.41%)
2023	$1,986.00 (+1.79%) Senior Citizen's exemption	$177,288 (+3%)	$742,308 (+0.5%) Land $544,902 Building $197,406
2022	$1,951.00 Senior Citizen's exemption	$172,125	$738,585 Land $541,232 Building $197,353

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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