146 Mockingbird Rd, Tavernier, FL 33070 Property Records

Monroe County property record for 146 Mockingbird Rd, Tavernier, FL 33070

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 4,108 sqft · built 2021
Lot Size	0.177 acres (7,700 sqft)
Owner	Company Name on Record
Last Sale	$745,000 (May 2019)
Tax Bill	$21,622 (2024)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2019 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`00435020-000000`

Property Details

APN / Parcel Number

Primary APN	`00435020-000000`
Alternative APNs	`32623800435020000000` `1532827`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	4,108 sqft Living Area
Gross Area	4,623 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	7,700 sqft (0.177 acres)
Lot Dimensions	110 ft deep x 70 ft wide
View / Lot	Canal
Garage Type	Attached
Garage Area	515 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1532827
Street Address	146 MOCKINGBIRD RD
City	TAVERNIER
State	FL
Zip	33070-2224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 2 LT 18 SUNSHINE ESTATES SEC 1 PB4-63 PLANTATION KEY OR453-58 OR963-2129 OR1131-1478 OR1522-2484/90/AFF OR1522-2491/92 OR1544-835/36 OR2487-188T/C OR2582-573 OR2847-1583/84 OR2964-1169
Legal Range	38E
Legal Township	62S
Legal Section	32
Legal Subdivision	SUNSHINE ESTATES SEC #1
Legal Block	2
Legal Lot Number	18
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1003
Census Tract	970800

Owner

Source: Monroe County records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	9950 SW 57TH PL, PINECREST, FL 33156-2093
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage THE NORTHERN TRUST CO
Dec 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK
May 15, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Feb 21, 2019	Loan Modification, Mortgage · Conventional Mortgage GLENN & NADINE LAHTI
Apr 5, 2017	Warranty Deed, Transfer · Conventional Mortgage GLENN & NADINE LAHTI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2019 · Amount on Record
Deed Sale	May 15, 2019 · Amount on Record
Prior Sale	Apr 5, 2017 · Amount on Record
Deed Document Number	20192220263
Deed Book / Page	2964 / 1169
Prior Transfer Date	Oct 5, 2010
Prior Transfer Doc	0024870188
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	146 MOCKINGBIRD RD, TAVERNIER, FL 33070-2224
Transaction Type	Mortgage
Record Updated	Mar 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9950 SW 57TH PL, PINECREST, FL 33156-2093

Mortgage

Document Number	0031481151
Date	Jan 11, 2022
Book Page	3148/1151
Instrument	2356625

Lender

Name	THE NORTHERN TRUST CO
Type	Bank
Address	CHICAGO, IL 60603

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate
Rate	2.5%
Type Change Date	Feb 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.5%
Max Rate At Change	7.5%
Index	Other
Max Rate	7.5%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	146 MOCKINGBIRD RD, TAVERNIER, FL 33070-2224
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029991012
Date	Dec 17, 2019
Book Page	2999/1012
Instrument	2248598

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Jan 1, 2024
Change Frequency	Annually
Min Rate At Change	2.12%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	9%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 15, 2019
Property Address	146 MOCKINGBIRD RD, TAVERNIER, FL 33070-2224
Document Number	0029641169
Book / Page	002964 / 001169
Instrument Date	May 15, 2019
Instrument	2220263
Transaction Type	Transfer
Record Updated	Jul 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$5,215.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9950 SW 57TH PL PINECREST FL 331562093, PINECREST, FL 33156-2093

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	146 MOCKINGBIRD RD, TAVERNIER, FL 33070-2224
Document Number	0029550991
Instrument Date	Feb 21, 2019
Transaction Type	Mortgage
Record Updated	May 14, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	146 MOCKINGBIRD RD TAVERNIER FL 33070, TAVERNIER, FL 33070

Mortgage

Document Number	0029550991
Date	Mar 27, 2019
Book Page	002955/000991
Instrument	2212564

Lender

Name	GLENN & NADINE LAHTI

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Mar 26, 2021

Interest

Rate Type	Fixed Rate

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 5, 2017
Property Address	146 MOCKINGBIRD RD, TAVERNIER, FL 33070-2224
Document Number	0028471583
Book / Page	002847 / 001583
Instrument Date	Apr 4, 2017
Instrument	2117522
Transaction Type	Transfer
Record Updated	Jun 20, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,325.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	195 N AIRPORT RD TAVERNIER FL 330702411, TAVERNIER, FL 33070-2411

Mortgage

Document Number	28471585
Date	Apr 5, 2017
Book Page	002847/001585
Instrument	2117523

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Apr 4, 2020

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		$2,962,499 (+8.45%) Land $1,524,600 Building $1,437,899	$2,962,499 (+8.45%) Land $1,524,600 Building $1,437,899
2024	$21,622.00 (+8.02%)
2023	$20,017.00 (+12.92%)	$2,731,605 (+22.05%) Land $1,321,320 Building $1,410,285	$2,731,605 (+22.05%) Land $1,321,320 Building $1,410,285
2022	$17,726.00	$2,238,052 Land $1,036,728 Building $1,201,324	$2,238,052 Land $1,036,728 Building $1,201,324

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 306 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	306 in force
Nearby Flood Claims	265 (1981–2023)
Claims Outside the SFHA	8 of 265
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 129 claims Hurricane Katrina Evacuation, Sep 2005 · 20 claims Hurricane Georges, Sep 1998 · 59 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	0.01% 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 310 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	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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