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137 Cortez Dr, Islamorada, FL 33036 Property Records

Monroe County property record for 137 Cortez Dr, Islamorada, FL 33036

Property Summary

Property TypeSingle Family Home
Details2 bd · 3 ba · 2,499 sqft · built 1979
Lot Size0.172 acres (7,500 sqft)
Owner2 Individual Names on Record
Last Sale$2,050,000 (Jul 2026)
Tax Bill$12,046 (2025)
Deeds & MortgagesJul 2026 Sale
Sep 2020 Mortgage
Flood ZoneZone AE (high risk)
APN00396540-000000

Property Details

APN / Parcel Number

Primary APN00396540-000000
Alternative APN
  • 1489069

Interior

Bedrooms2 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,499 sqft Living Area
1st Floor Area2,168 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 2011
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGeodesic/Dome
Roof MaterialConcrete
Lot Area7,500 sqft (0.172 acres)
Lot Dimensions100 ft deep x 75 ft wide
View / LotCanal
Garage TypeCovered
Garage Area504 sqft

Exterior Amenities

PorchFlorida Room
Porch Area1,130 sqft
Deck Area207 sqft
Patio Area303 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1489069
Street Address137 CORTEZ DR
CityISLAMORADA
StateFL
Zip33036-3924
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 2 LT 18 MATECUMBE OCEAN VIEW PB4-102 LOWER MATCMBE KEY OR493-740 OR524-1091 OR705-155 OR861-792C OR1124-503 OR1348-1096 OR1637-1449 OR2125-1111/13 OR2238-1122/23L/E OR2580-515 OR2710-1499
Legal Range36E
Legal Township64S
Legal Section15
Legal SubdivisionMATECUMBE OCEAN VIEW
Legal Block2
Legal Lot Number18
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group1
Census Block1026
Census Tract970900

Owner

Source: Monroe County records, as of July 24, 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 Address13478 67TH ST N, WEST PALM BEACH, FL 33412-1923
Owner TypeIndividual
VestingHis Wife

Deeds, Mortgages & Sale History

DateDocument
Jul 16, 2026Warranty Deed, Transfer
CORAL REEF TITLE COMPANY, CORAL REEF TITLE
Sep 15, 2020Deed of Trust, Mortgage · Conventional Mortgage
WYNDHAM CAPITAL MORTGAGE INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 16, 2026 · Amount on Record
Deed SaleJul 16, 2026 · Amount on Record
Prior SaleMay 20, 2014 · Amount on Record
Deed Document Number20262552121
Deed Book / Page3392 / 1291
Prior Transfer DateMar 28, 1995
Prior Transfer Doc1348001096
Record UpdatedOct 29, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJul 16, 2026
Property Address137 CORTEZ DR, ISLAMORADA, FL 33036-3924
Document Number0002552121
Book / Page3392 / 1291
Instrument DateJul 16, 2026
Instrument20262552121
Transaction TypeTransfer
Record UpdatedJul 24, 2026
Title CompanyCORAL REEF TITLE COMPANY, CORAL REEF TITLE

Transaction

AmountAmount Recorded
Tax$1,449,350.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address13478 67TH ST N, WEST PALM BEACH, FL 33412-1923

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address137 CORTEZ DR, ISLAMORADA, FL 33036-3924
Transaction TypeMortgage
Record UpdatedJul 29, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3564 ROYAL PALM AVE, MIAMI, FL 33133-6225

Mortgage

Document Number0030440440
DateSep 15, 2020
Book Page3044/440
Instrument2281703
Lender
NameWYNDHAM CAPITAL MORTGAGE INC
TypeMortgage Company
AddressCHARLOTTE, NC 28211
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2050

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$12,046.00 (+4.63%)$1,282,146 (-8.17%) Land $825,000 Building $457,146$1,282,146 (-8.17%) Land $825,000 Building $457,146
2024$11,513.00 (+2.35%)
2023$11,249.00 (+16.7%)$1,396,234 (+39.16%) Land $952,500 Building $443,734$1,396,234 (+39.16%) Land $952,500 Building $443,734
2022$9,639.00$1,003,325 Land $562,500 Building $440,825$1,003,325 Land $562,500 Building $440,825

Assessed value is set for property tax purposes, not a market price estimate; it is 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 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 493 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies650 units insured
incl. 157 condo units
Nearby Flood Claims553 (1981–2020)
Claims Outside the SFHA2 of 553
Most Recent ClaimNov 2020 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 250 claims
  • Hurricane Wilma, Oct 2005 · 78 claims
  • Hurricane Georges, Sep 1998 · 120 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 94% of the US · lower than 95% of Florida
Wildfire Likelihood0.01% 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 62 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20

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