Monroe County property record for 154 Sterling Rd, Tavernier, FL 33070
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,833 sqft · built 1957 |
| Lot Size | 0.253 acres (11,039 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $195,000 (Nov 2012) |
| Tax Bill | $2,330 (2024) |
| Deeds & Mortgages | Feb 2022 Mortgage Feb 2022 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00482440-000000 |
| Primary APN | 00482440-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,833 sqft Living Area |
| 1st Floor Area | 1,833 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plywood |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 11,039 sqft (0.253 acres) |
| Porch | Open Porch |
| Porch Area | 51 sqft |
| Patio Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1592064 |
|---|---|
| Street Address | 154 STERLING RD |
| City | TAVERNIER |
| State | FL |
| Zip | 33070-2708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 1 LT 5 TAVERNIER PARK KEY LARGO PB3-169 OR431-296-297 OR760-283D/C OR864-1457L/E OR1349-1665DC/AFF OR1349-1666 OR2149-599 OR2597-1377 OR2597-1378 |
| Legal Range | 38E |
| Legal Township | 62S |
| Legal Section | 27 |
| Legal Subdivision | TAVERNIER PARK |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 970700 |
154 Sterling Rd is owned and occupied by two individuals who bought it in November 2012.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 154 STERLING RD, TAVERNIER, FL 33070-2708 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Feb 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC |
| Feb 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 7, 2012 · Amount on File |
| Deed Sale | Nov 7, 2012 · Amount on File |
| Prior Sale | Sep 7, 2005 · Amount on File |
| Deed Document Number | 20121906574 |
| Deed Book / Page | 2597 / 1377 |
| Prior Transfer Date | Oct 8, 2012 |
| Prior Transfer Doc | 0025971378 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 154 STERLING RD, TAVERNIER, FL 33070-2708 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 154 STERLING RD, TAVERNIER, FL 33070-2708 |
| Document Number | 0031542319 |
|---|---|
| Date | Feb 15, 2022 |
| Book Page | 3154/2319 |
| Instrument | 2361343 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | JACKSONVILLE, FL 32256 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 154 STERLING RD, TAVERNIER, FL 33070-2708 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 154 STERLING RD, TAVERNIER, FL 33070-2708 |
| Document Number | 0031570934 |
|---|---|
| Date | Feb 25, 2022 |
| Book Page | 3157/934 |
| Instrument | 2363291 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | JACKSONVILLE, FL 32256 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $273,168 | $655,441 Land $400,385 Building $255,056 | |
| 2024 | $2,330.00 (+5.96%) | ||
| 2023 | $2,199.00 (+2.37%) Homeowner's exemption | $210,275 (+3%) | $542,041 (+45.62%) Land $410,651 Building $131,390 |
| 2022 | $2,148.00 Homeowner's exemption | $204,151 | $372,235 Land $238,663 Building $133,572 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 154 Sterling 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 | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 280 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 394 units insured incl. 114 condo units |
| Nearby Flood Claims | 182 (1994–2023) |
| Claims Outside the SFHA | 2 of 182 |
| Most Recent Claim | Nov 2023 · 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 154 Sterling Rd is low, with less than 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 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 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 167 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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