186 Sunset Dr, Islamorada, FL 33036 Property Records

Monroe County property record for 186 Sunset Dr, Islamorada, FL 33036

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,256 sqft · built 1995
Lot Size	0.112 acres (4,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Aug 2018)
Tax Bill	$9,218 (2024)
Deeds & Mortgages	Aug 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00389390-000100`

Property Details

APN / Parcel Number

Primary APN	`00389390-000100`
Alternative APNs	`20643600389390000100` `8764588`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	2,833 sqft Living Area
1st Floor Area	1,376 sqft
Flooring	Ceramic Tile
Interior Walls	Wood

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	4,860 sqft (0.112 acres)
View / Lot	Canal
Garage Type	Covered
Garage Area	641 sqft
Porch	Florida Room
Porch Area	951 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	8764588
Street Address	186 SUNSET DR
City	ISLAMORADA
State	FL
Zip	33036-4227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	LOWER MATECUMBE BEACH PB3-34 LOT 22 LESS THE NWLY 15 FT (LESS THE NELY 18 FT THEREFROM) AND LESS THE SWLY 6 FT BLK 3 OR799-2339 OR1118-1182 OR1226-1669 OR1306-1417/1418 OR2922-978
Legal Range	36E
Legal Township	64S
Legal Section	20
Legal Subdivision	LOWER MATECUMBE BEACH
Legal Block	3
Legal Lot Number	22
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1019
Census Tract	970900

Owner

Source: Monroe County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	186 SUNSET DR, ISLAMORADA, FL 33036-4227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2018 · Amount on Record
Deed Sale	Aug 16, 2018 · Amount on Record
Prior Sale	Aug 26, 2014 · Amount on Record
Deed Document Number	20182643
Deed Book / Page	2922 / 979
Prior Transfer Date	May 26, 1995
Prior Transfer Doc	1355000320
Record Updated	Oct 29, 2026

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 16, 2018
Property Address	186 SUNSET DR, ISLAMORADA, FL 33036-4227
Document Number	0029220979
Book / Page	002922 / 000979
Instrument Date	Aug 15, 2018
Instrument	2182643
Transaction Type	Transfer
Record Updated	Sep 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,780.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	186 SUNSET DR ISLAMORADA FL 330364227, ISLAMORADA, FL 33036-4227

Mortgage

Document Number	29220980
Date	Aug 16, 2018
Book Page	002922/000980
Instrument	2182644

Lender

Name	GEORGE W SPEERIN
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	60 Months
Due	Aug 15, 2023

Interest

Rate	4%

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		$1,152,550 (+6.35%) Land $739,728 Building $412,822	$1,152,550 (+6.35%) Land $739,728 Building $412,822
2024	$9,218.00 (+4.3%)
2023	$8,838.00 (+7.09%)	$1,083,692 (+8.44%) Land $702,027 Building $381,665	$1,083,692 (+8.44%) Land $702,027 Building $381,665
2022	$8,253.00	$999,350 Land $613,624 Building $385,726	$999,350 Land $613,624 Building $385,726

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 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 14 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