Monroe County property record for 158 E Ridge Rd, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,532 sqft · built 1985 |
| Lot Size | 0.367 acres (16,030 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,250,000 (Nov 2021) |
| Tax Bill | $6,470 (2024) |
| Deeds & Mortgages | Apr 2021 Mortgage Jul 2017 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00412010-000000 |
| Primary APN | 00412010-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,532 sqft Living Area |
| 1st Floor Area | 2,532 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Pile |
| Roof Type | Reinforced Concrete |
| Roof Material | Other |
| Lot Area | 16,030 sqft (0.367 acres) |
| Lot Dimensions | 142 ft deep x 112 ft wide |
| Garage Type | Carport |
| Garage Area | 572 sqft |
| Carport | Carport |
| Pool Area | 152 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 343 sqft |
| Patio Area | 704 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1506257 |
|---|---|
| Old Parcel Number | 13633700412010000000 |
| Street Address | 158 E RIDGE RD |
| City | ISLAMORADA |
| State | FL |
| Zip | 33036-3120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 2 S12.5' LT 13 , LTS 14 & 15 PLANTATION RIDGE PB3-43 PLANTATION KEY OR557-614 OR557-620 OR843-1681 OR851-104 OR861-2115 |
| Legal Range | 37E |
| Legal Township | 63S |
| Legal Section | 13 |
| Legal Subdivision | PLANTATION RIDGE |
| Legal Block | 2 |
| Legal Lot Number | 13-15 15 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3050 |
| Census Tract | 970800 |
Source: Monroe County records, as of December 5, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 158 E RIDGE RD, ISLAMORADA, FL 33036-3120 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jul 11, 2017 | Deed of Trust, Mortgage · ARM CAPITAL BANK CORPORATION |
| Nov 10, 2021 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Jan 13, 2017 | Warranty Deed, Transfer CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 10, 2021 · Amount on Record |
| Deed Sale | Nov 10, 2021 · Amount on Record |
| Prior Sale | Jan 13, 2017 · Amount on Record |
| Deed Document Number | 2347995 |
| Deed Book / Page | 3136 / 2213 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 158 E RIDGE RD, ISLAMORADA, FL 33036-3120 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Name | Verified Name |
|---|---|
| Address | 158 E RIDGE RD, ISLAMORADA, FL 33036-3120 |
| Document Number | 0030881327 |
|---|---|
| Date | Apr 13, 2021 |
| Book Page | 3088/1327 |
| Instrument | 2313487 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 158 E RIDGE RD, ISLAMORADA, FL 33036-3120 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0028640225 |
|---|---|
| Date | Jul 11, 2017 |
| Book Page | 2864/0225 |
| Instrument | 2130843 |
| Name | CAPITAL BANK CORPORATION |
|---|---|
| Type | Bank |
| Address | FORT MYERS, FL 33966 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Aug 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 8.75% |
| Index | 1-Year LIBOR |
| Max Rate | 8.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 10, 2021 |
| Property Address | 158 E RIDGE RD, ISLAMORADA, FL 33036-3120 |
| Document Number | 0031362213 |
| Book / Page | 3136 / 2213 |
| Map Reference | MB 3 PG 43 |
| Instrument Date | Oct 21, 2021 |
| Instrument | 2347995 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $8,750.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 86 FUHRMAN AVE, 86, RAMSEY, NJ 07446-2219 |
| Name | Verified Name |
|---|---|
| Address | 158 E RIDGE RD, ISLAMORADA, FL 33036-3120 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jan 13, 2017 |
| Property Address | 158 E RIDGE RD, ISLAMORADA, FL 33036-3120 |
| Document Number | 0028342258 |
| Book / Page | 002834 / 002258 |
| Instrument Date | Jan 13, 2017 |
| Instrument | 2106876 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2017 |
| Title Company | CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,900.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 158 E RIDGE RD ISLAMORADA FL 330363120, ISLAMORADA, FL 33036-3120 |
Source: Monroe County assessment roll, as of July 1, 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 | $673,743 (+5.99%) | $1,252,830 (+14.21%) Land $695,702 Building $557,128 | |
| 2024 | $6,470.00 (+0.73%) | ||
| 2023 | $6,423.00 (+1.81%) Homeowner's exemption | $635,686 (+3%) | $1,096,942 (-1.81%) Land $549,829 Building $547,113 |
| 2022 | $6,309.00 Homeowner's exemption | $617,171 | $1,117,171 Land $544,219 Building $572,952 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 624 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1,096 units insured incl. 472 condo units |
| Nearby Flood Claims | 190 (1982–2020) |
| Most Recent Claim | Sep 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 | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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