Monroe County property record for 189 E Ridge Rd, Islamorada, FL 33036
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 3 bd · 2 ba · 1,622 sqft · built 1970 |
| Lot Size | 0.333 acres (14,547 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $7,285,000 (Jan 2026) |
| Tax Bill | $8,457 (2024) |
| Deeds & Mortgages | Jan 2026 Sale Aug 2020 Line of Credit + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00412150-000000 |
| Primary APN | 00412150-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,622 sqft Total Area |
| 1st Floor Area | 2,042 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Other |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,547 sqft (0.333 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 273 sqft |
| Deck Area | 149 sqft |
| Patio Area | 181 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1506389 |
|---|---|
| Old Parcel Number | 24633700412150000000 |
| Street Address | 189 E RIDGE RD |
| City | ISLAMORADA |
| State | FL |
| Zip | 33036-3119 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | LOT 2 TONERS NAUTICAL SHORES PLANTATION KEY PB4-36 OR443-105 OR848-775 OR896-217/AFF OR935-300/01 OR1608-1180/81 |
| Legal Range | 37E |
| Legal Township | 63S |
| Legal Section | 24 |
| Legal Subdivision | TONER'S NAUTICAL SHORES |
| Legal Lot Number | 2 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3050 |
| Census Tract | 970800 |
Source: Monroe County records, as of February 5, 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 | 179 E RIDGE RD, ISLAMORADA, FL 33036-3119 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 16, 2026 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Aug 26, 2020 | Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK |
| Aug 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 16, 2026 · Amount on Record |
| Deed Sale | Jan 16, 2026 · Amount on Record |
| Prior Sale | Oct 12, 2018 · Amount on Record |
| Deed Document Number | 2528845 |
| Deed Book / Page | 3362 / 1283 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jan 16, 2026 |
| Property Address | 189 E RIDGE RD, ISLAMORADA, FL 33036-3119 |
| Document Number | 0033621283 |
| Book / Page | 3362 / 1283 |
| Map Reference | MB 4 PG 36 |
| Instrument Date | Jan 15, 2026 |
| Instrument | 2528845 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $50,995.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 118 W PIPPEN DR, ISLAMORADA, FL 33036-3111 |
| Name | Verified Name |
|---|---|
| Address | 179 E RIDGE RD, ISLAMORADA, FL 33036-3119 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 189 E RIDGE RD, ISLAMORADA, FL 33036-3119 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0030400396 |
|---|---|
| Date | Aug 26, 2020 |
| Book Page | 3040/396 |
| Instrument | 2278964 |
| Name | TCF NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 23, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 189 E RIDGE RD, ISLAMORADA, FL 33036-3119 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Title Company | FIRST AMERICAN SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 189 E RIDGE RD, ISLAMORADA, FL 33036-3119 |
| Document Number | 0030400383 |
|---|---|
| Date | Aug 26, 2020 |
| Book Page | 3040/383 |
| Instrument | 2278963 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | JACKSONVILLE, FL 32256 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
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 | $895,508 (+2.61%) | $2,470,854 (+0.02%) Land $2,126,955 Building $343,899 | |
| 2024 | $8,457.00 (+1.65%) | ||
| 2023 | $8,320.00 (+7.44%) Homeowner's exemption | $872,756 (+19.19%) | $2,470,443 (+35.51%) Land $2,145,543 Building $324,900 |
| 2022 | $7,744.00 Homeowner's exemption | $732,265 | $1,823,136 Land $1,494,976 Building $328,160 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 11.0 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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