Monroe County property record for 139 Cortez Dr, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,800 sqft · built 1985 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,500,500 (May 2025) |
| Tax Bill | $9,551 (2024) |
| Deeds & Mortgages | May 2023 Transfer Sep 2019 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00396550-000000 |
| Primary APN | 00396550-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,800 sqft Living Area |
| 1st Floor Area | 1,800 sqft |
| Basement Area | 364 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,500 sqft (0.172 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| View / Lot | Canal |
| Garage Type | Covered |
| Garage Area | 644 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 687 sqft |
| Deck Area | 1,021 sqft |
| Patio Area | 2,053 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1489077 |
|---|---|
| Street Address | 139 CORTEZ DR |
| City | ISLAMORADA |
| State | FL |
| Zip | 33036-3924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 2 LT 19 MATECUMBE OCEAN VIEW PB4-102 LOWER MATCUMBE KEY OR493-740 OR524-1091 OR702-50 OR801-1846 OR861-792C OR913-2332 OR1591-30 OR1671-1943 OR1806-2138 OR2044-1731 OR2046-1445 OR2297-2208 OR2323-2144/45 OR2985-571 OR3223-2125 |
| Legal Range | 36E |
| Legal Township | 64S |
| Legal Section | 15 |
| Legal Subdivision | MATECUMBE OCEAN VIEW |
| Legal Block | 2 |
| Legal Lot Number | 19 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 970900 |
139 Cortez Dr is owned and occupied by two individuals who bought it in May 2025.
Source: Monroe County records, as of March 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 139 CORTEZ DR, ISLAMORADA, FL 33036-3924 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 3, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Sep 17, 2019 | Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 27, 2025 · Amount on File |
| Deed Sale | May 27, 2025 · Amount on File |
| Prior Sale | Sep 17, 2019 · Amount on File |
| Deed Document Number | 2025163 |
| Deed Book / Page | 3327 / 1908 |
| Prior Transfer Date | Apr 28, 2023 |
| Prior Transfer Doc | 0032232125 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 3, 2023 |
| Property Address | 139 CORTEZ DR, ISLAMORADA, FL 33036-3924 |
| Document Number | 0032232125 |
| Book / Page | 3223 / 2125 |
| Map Reference | MB 4 PG 102 |
| Instrument Date | Apr 28, 2023 |
| Instrument | 2416573 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9705 SW 133RD TER, MIAMI, FL 33176-6138 |
| Name | Verified Name |
|---|---|
| Address | 139 CORTEZ DR, ISLAMORADA, FL 33036-3924 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 17, 2019 |
| Property Address | 139 CORTEZ DR, ISLAMORADA, FL 33036-3924 |
| Document Number | 0029850571 |
| Book / Page | 2985 / 0571 |
| Map Reference | MB 4 PG 102 |
| Instrument Date | Sep 4, 2019 |
| Instrument | 2237022 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,250.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 13625 SW 110TH CT, 13625, MIAMI, FL 33176-6436 |
| Name | Verified Name |
|---|---|
| Address | 9705 SW 133RD TER, MIAMI, FL 33176-6138 |
| Document Number | 0029850575 |
|---|---|
| Date | Sep 17, 2019 |
| Instrument | 2985-0575 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 307 Months |
| Due | Apr 4, 2045 |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Municipality | Islamorada, Village Of Islands |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,183,916 Land $825,000 Building $358,916 | $1,183,916 Land $825,000 Building $358,916 | |
| 2024 | $9,551.00 (+2.01%) | ||
| 2023 | $9,363.00 (+19.08%) | $1,220,467 (+46.07%) Land $952,500 Building $267,967 | $1,220,467 (+46.07%) Land $952,500 Building $267,967 |
| 2022 | $7,863.00 | $835,562 Land $562,500 Building $273,062 | $835,562 Land $562,500 Building $273,062 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 139 Cortez Dr 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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 493 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 650 units insured incl. 157 condo units |
| Nearby Flood Claims | 553 (1981–2020) |
| Claims Outside the SFHA | 2 of 553 |
| Most Recent Claim | Nov 2020 · rainfall accumulation |
| Claims by Event |
|
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 risk around 139 Cortez Dr 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 94% of the US · lower than 95% 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.
Source: FCC Broadband Data Collection, based on 62 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 | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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