185 Plantation Dr, Tavernier, FL 33070 Property Records

Monroe County property record for 185 Plantation Dr, Tavernier, FL 33070

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,462 sqft · built 1994
Lot Size	0.211 acres (9,200 sqft)
Owner	2 Owner Names on File
Last Sale	$625,000 (May 2013)
Tax Bill	$5,930 (2024)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00436600-000000`

Property Details

APN / Parcel Number

Primary APN	`00436600-000000`
Alternative APNs	`04633800436600000000` `1534382`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,462 sqft Living Area
1st Floor Area	1,254 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2000
Exterior Material	Combination
Construction Type	Wood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,200 sqft (0.211 acres)
Lot Dimensions	115 ft deep x 80 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	728 sqft

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	620 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1534382
Old Parcel Number	04633800436600000000
Street Address	185 PLANTATION DR
City	TAVERNIER
State	FL
Zip	33070-2315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 5 LT 13 TROPICAL ATLANTIC SHORES PLANTATION KEY PB4-97 OR471-949 OR802-817 OR808-1612 OR956-976Q/C OR1265-2125/26
Legal Range	38E
Legal Township	63S
Legal Section	04
Legal Subdivision	TROPICAL ATLANTIC SHORES
Legal Block	5
Legal Lot Number	13
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3004
Census Tract	970800

Owner

The current owner of 185 Plantation Dr bought it in May 2013.

Source: Monroe County records, as of December 5, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Owner Names on File
Mailing Address	185 PLANTATION DR, TAVERNIER, FL 33070-2315
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2013 · Amount on File
Deed Sale	May 16, 2013 · Amount on File
Prior Sale	Oct 1, 2012 · Amount on File
Deed Document Number	1933616
Deed Book / Page	2629 / 0841
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	185 PLANTATION DR, TAVERNIER, FL 33070-2315
Document Number	0030322033
Instrument Date	Jun 24, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	185 PLANTATION DR TAVERNIER FL 330702315, TAVERNIER, FL 33070-2315

Mortgage

Document Number	0030322033
Date	Jul 21, 2020
Book Page	003032/002033
Instrument	2273813

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 20, 2050

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$618,582	$1,556,026 Land $1,256,904 Building $299,122
2024	$5,930.00 (+0.75%)
2023	$5,886.00 (+1.82%) Homeowner's exemption	$583,640 (+3%)	$1,229,819 (+27.34%) Land $957,194 Building $272,625
2022	$5,781.00 Homeowner's exemption	$566,641	$965,761 Land $691,509 Building $274,252

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 185 Plantation Dr 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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 185 Plantation Dr 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 95% of the US · lower than 95% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 238 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20