Monroe County property record for 157 Sapodilla Dr, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,396 sqft · built 1970 |
| Lot Size | 0.327 acres (14,230 sqft) |
| Owner | Company Name on Record |
| Last Sale | $385,000 (Apr 1996) |
| Tax Bill | $7,529 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00394220-000000 |
| Primary APN | 00394220-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 3,396 sqft Living Area |
| Gross Area | 3,786 sqft |
| 1st Floor Area | 2,467 sqft |
| Basement Area | 848 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 14,230 sqft (0.327 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 390 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 970 sqft |
| Patio Area | 1,132 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1482579 |
|---|---|
| Street Address | 157 SAPODILLA DR |
| City | ISLAMORADA |
| State | FL |
| Zip | 33036-4101 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 3 LT 15 MATECUMBE SANDY BEACH LOWER MATECMBE KEY PB3-127 OR436-591 OR1161-1630 OR1397-2354/55 OR1397-2356/57 OR1824-1969 OR3105-2234 |
| Legal Range | 36E |
| Legal Township | 64S |
| Legal Section | 20 |
| Legal Subdivision | MATECUMBE SANDY BEACH |
| Legal Block | 3 |
| Legal Lot Number | 15 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 970900 |
Source: Monroe County records, as of May 4, 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 | 157 SAPODILLA DR, ISLAMORADA, FL 33036-4101 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Feb 28, 2017 | Deed of Trust, Mortgage · Commercial Mortgage CAPITAL BANK CORPORATION |
| Sep 6, 2019 | Deed of Trust, Mortgage · ARM CAPITAL BANK |
| Jun 16, 2021 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 10, 1996 · Amount on Record |
| Deed Sale | Apr 10, 1996 · Amount on Record |
| Prior Sale | Feb 1, 1969 · Amount on Record |
| Deed Book / Page | 1397 / 2356 |
| Last Transfer Date | Jun 14, 2021 |
| Transfer Doc | 0031052234 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 157 SAPODILLA DR, ISLAMORADA, FL 33036-4101 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0028410153 |
|---|---|
| Date | Feb 28, 2017 |
| Book Page | 2841/0153 |
| Instrument | 2112044 |
| Name | CAPITAL BANK CORPORATION |
|---|---|
| Type | Bank |
| Address | MARATHON, FL 33050 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 157 SAPODILLA DR, ISLAMORADA, FL 33036-4101 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0029831775 |
|---|---|
| Date | Sep 6, 2019 |
| Book Page | 2983/1775 |
| Instrument | 2235688 |
| Name | CAPITAL BANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38103 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 8.62% |
| Index | 1-Year LIBOR |
| Max Rate | 8.62% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jun 16, 2021 |
| Property Address | 157 SAPODILLA DR, ISLAMORADA, FL 33036-4101 |
| Document Number | 0031052234 |
| Book / Page | 3105 / 2234 |
| Map Reference | MB 3 PG 127 |
| Instrument Date | Jun 14, 2021 |
| Instrument | 2325430 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 157 SAPODILLA DR, ISLAMORADA, FL 33036-4101 |
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 | $7,529.00 (+3.35%) Homeowner's exemption | $768,207 (+5.99%) | $2,400,922 (+0.93%) Land $1,912,156 Building $488,766 |
| 2024 | $7,285.00 (+0.73%) | ||
| 2023 | $7,232.00 (+1.83%) Homeowner's exemption | $724,813 (+3%) | $2,378,770 (+40.06%) Land $1,912,156 Building $466,614 |
| 2022 | $7,102.00 Homeowner's exemption | $703,702 | $1,698,384 Land $1,232,958 Building $465,426 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 54 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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