Monroe County property record for 186 E Ridge Rd, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,064 sqft · built 1968 |
| Lot Size | 0.163 acres (7,125 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $245,000 (Jun 2012) |
| Tax Bill | $3,439 (2024) |
| Deeds & Mortgages | Mar 2022 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 00412090-000000 |
| Primary APN | 00412090-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,064 sqft Living Area |
| 1st Floor Area | 1,064 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Other |
| Foundation Type | Pile |
| Roof Type | Reinforced Concrete |
| Roof Material | Other |
| Lot Area | 7,125 sqft (0.163 acres) |
| Lot Dimensions | 142 ft deep x 50 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 256 sqft |
| Fence | Fence |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Account Number | 1506338 |
|---|---|
| Old Parcel Number | 13633700412090000000 |
| Street Address | 186 E RIDGE RD |
| City | ISLAMORADA |
| State | FL |
| Zip | 33036-3120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 2 LT 22 PLANTATION RIDGE PB3-43 PLANTATION KEY OR10-351 OR399-784 OR421-902 OR1516-2061 OR1539-137AFF OR1574-1423 |
| Legal Range | 37E |
| Legal Township | 63S |
| Legal Section | 24 |
| Legal Subdivision | PLANTATION RIDGE |
| Legal Block | 2 |
| Legal Lot Number | 22 |
| 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 186 E RIDGE RD, ISLAMORADA, FL 33036-3120 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 19, 2012 · Amount on Record |
| Deed Sale | Jun 19, 2012 · Amount on Record |
| Prior Sale | Nov 21, 2003 |
| Deed Document Number | 1888038 |
| Deed Book / Page | 2575 / 2189 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 186 E RIDGE RD, ISLAMORADA, FL 33036-3120 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 186 E RIDGE RD, ISLAMORADA, FL 33036-3120 |
| Document Number | 0031601429 |
|---|---|
| Date | Mar 14, 2022 |
| Book Page | 3160/1429 |
| Instrument | 2365563 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 23, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $322,117 (+5.99%) | $741,147 (+16.13%) Land $455,003 Building $286,144 | |
| 2024 | $3,439.00 (+0.82%) | ||
| 2023 | $3,411.00 (+1.67%) Homeowner's exemption | $303,922 (+3%) | $638,227 (-0.08%) Land $359,599 Building $278,628 |
| 2022 | $3,355.00 Homeowner's exemption | $295,070 | $638,751 Land $355,929 Building $282,822 |
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 | 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 99.1% of the US · lower than 98.7% 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.
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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