161 E Ridge Rd, Islamorada, FL 33036 Property Records

Monroe County property record for 161 E Ridge Rd, Islamorada, FL 33036

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,288 sqft · built 1958
Lot Size	0.327 acres (14,250 sqft)
Owner	Individual Name on Record
Tax Bill	$6,455 (2024)
Deeds & Mortgages	Jun 2020 Mortgage Jun 2020 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`00411810-000000`

Property Details

APN / Parcel Number

Primary APN	`00411810-000000`
Alternative APNs	`13633700411810000000` `1506052`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,288 sqft Living Area
Gross Area	2,596 sqft
1st Floor Area	2,288 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2012
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,250 sqft (0.327 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	308 sqft

Exterior Amenities

Pool Area	325 sqft
Porch	Open Porch
Porch Area	395 sqft
Deck Area	820 sqft
Patio Area	1,480 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1506052
Street Address	161 E RIDGE RD
City	ISLAMORADA
State	FL
Zip	33036-3119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 1 LT 18 -19 PLANTATION RIDGE PB3-43 PLANTATION KEY OR512-789 OR566-587 OR743-550 OR767-893 OR789-926 OR799-836 OR803-1046 OR803-1047/48 OR812-852 OR887-814D/C OR1004-2060AFF OR1004-2061 OR1198-570/71FJ OR1216-2343 OR2511-903/04 OR2531-1907/12 OR29
Legal Range	37E
Legal Township	63S
Legal Section	13
Legal Subdivision	PLANTATION RIDGE
Legal Block	1
Legal Lot Number	18-19
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3050
Census Tract	970800

Owner

Source: Monroe County records, as of March 19, 2026

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	161 E RIDGE RD, ISLAMORADA, FL 33036-3119
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIME LNDG
Jun 26, 2020	Correction Deed ATTORNEY ONLY
Jul 26, 2019	Warranty Deed, Transfer · Construction Mortgage JORGE L HOYO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2020
Deed Sale	Jun 26, 2020
Prior Sale	Jul 26, 2019 · Amount on Record
Deed Document Number	20202271105
Deed Book / Page	3028 / 2451
Prior Transfer Date	Mar 9, 2020
Prior Transfer Doc	0030121544
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	161 E RIDGE RD, ISLAMORADA, FL 33036-3119
Document Number	0030282455
Instrument Date	Jun 22, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	161 E RIDGE RD ISLAMORADA FL 330363119, ISLAMORADA, FL 33036-3119

Mortgage

Document Number	0030282455
Date	Jun 26, 2020
Book Page	003028/002455
Instrument	2271107

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2050

June 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	MONROE FL
Recording Date	Jun 26, 2020
Property Address	161 E RIDGE RD, ISLAMORADA, FL 33036-3119
Document Number	0030282451
Book / Page	003028 / 002451
Instrument Date	Jun 22, 2020
Instrument	2271105
Record Updated	Jul 30, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 E RIDGE RD ISLAMORADA FL 330363119, ISLAMORADA, FL 33036-3119

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 26, 2019
Property Address	161 E RIDGE RD, ISLAMORADA, FL 33036-3119
Document Number	0029770097
Book / Page	002977 / 000097
Instrument Date	Jul 24, 2019
Instrument	2230298
Transaction Type	Transfer
Record Updated	Aug 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,375.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	186 ATLANTIC BLVD KEY LARGO FL 330374337, KEY LARGO, FL 33037-4337

Mortgage

Document Number	29770099
Date	Jul 26, 2019
Book Page	002977/000099
Instrument	2230299

Lender

Name	JORGE L HOYO
Address	117 GIARDINO DR, ISLAMORADA, FL 33036-3312
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 25, 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		$701,670 (+5.99%)	$1,172,841 (+17.23%) Land $653,790 Building $519,051
2024	$6,455.00 (+0.76%)
2023	$6,406.00 (+1.89%) Homeowner's exemption	$662,035 (+3%)	$1,000,488 (-0.32%) Land $516,705 Building $483,783
2022	$6,287.00 Homeowner's exemption	$642,753	$1,003,731 Land $511,433 Building $492,298

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 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	Hurricane Irma, Sep 2017 · 87 claims Hurricane Wilma, Oct 2005 · 60 claims Hurricane Georges, Sep 1998 · 21 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	0.02% 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 88 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, DSL in parts of the area	100 / 20

May also be available: Hotwire Communications.

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