170 Sapodilla Dr, Islamorada, FL 33036 Property Records

Monroe County property record for 170 Sapodilla Dr, Islamorada, FL 33036

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,509 sqft · built 1981
Lot Size	0.835 acres (36,360 sqft)
Owner	Company Name on Record
Last Sale	$900,000 (Mar 1999)
Tax Bill	$18,222 (2025)
Deeds & Mortgages	Jun 2022 Mortgage
Flood Zone	Zone VE (high risk)
APN	`00394240-000000`

Property Details

APN / Parcel Number

Primary APN	`00394240-000000`
Alternative APNs	`20643600394240000000` `1482595`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	4,509 sqft Living Area
Gross Area	5,169 sqft
1st Floor Area	4,512 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2017
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	36,360 sqft (0.835 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	660 sqft

Exterior Amenities

Pool Area	660 sqft
Porch	Slab
Porch Area	5,548 sqft
Deck Area	870 sqft
Patio Area	4,327 sqft
Water Feature	Water Feature
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1482595
Street Address	170 SAPODILLA DR
City	ISLAMORADA
State	FL
Zip	33036-4102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	MATECUMBE SANDY BEACH LOWER MATCMBE KEY PB3-127 LOT 16 AND PT LOT 17 (AKA PARCEL C) BK 3 OR380-692/99 OR633-262/64/66E OR718-281 OR825-2454/56 OR839-540 OR1037-2392/93AFF OR1037-2394/96 OR1239-252/55 OR1564-811/14TR OR1873-332/33 OR2421-2363/65(EASEM
Legal Range	36E
Legal Township	64S
Legal Section	20
Legal Subdivision	MATECUMBE SANDY BEACH
Legal Block	3
Legal Lot Number	16,17
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1007
Census Tract	970900

Owner

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	170 SAPODILLA DR, ISLAMORADA, FL 33036-4102
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 1999 · Amount on Record
Deed Sale	Mar 5, 1999 · Amount on Record
Deed Book / Page	1564 / 811
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	170 SAPODILLA DR, ISLAMORADA, FL 33036-4102
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 SAPODILLA DR, ISLAMORADA, FL 33036-4102

Mortgage

Document Number	0031770043
Date	Jun 1, 2022
Book Page	3177/43
Instrument	2378050

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.05%
Type Change Date	Jun 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.05%
Index	Other
Margin	3
Max Rate	8.05%

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	$18,222.00 (+3.42%) Homeowner's exemption	$1,966,990 (+5.99%)	$8,530,065 (+2.34%) Land $6,809,382 Building $1,720,683
2024	$17,620.00 (+0.68%)
2023	$17,501.00 (+1.92%) Homeowner's exemption	$1,855,879 (+3%)	$8,335,039 (+37.98%) Land $6,674,396 Building $1,660,643
2022	$17,172.00 Homeowner's exemption	$1,801,825	$6,040,970 Land $4,372,126 Building $1,668,844

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 VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 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	Hurricane Irma, Sep 2017 · 250 claims Hurricane Wilma, Oct 2005 · 78 claims Hurricane Georges, Sep 1998 · 120 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	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.

Internet Providers

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