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20 High Point Rd, Tavernier, FL 33070 Property Records

Monroe County property record for 20 High Point Rd, Tavernier, FL 33070

Property Summary

Property TypeRestaurant
Details1,152 sqft · built 1991
Lot Size0.315 acres (13,726 sqft)
OwnerCompany Name on Record
Last Sale$250,000 (Mar 1997)
Tax Bill$10,370 (2025)
Deeds & MortgagesMay 2026 Mortgage
Aug 2019 Loan Modification
Flood ZoneZone AE (high risk)
APN00418880-000400

Property Details

APN / Parcel Number

Primary APN00418880-000400
Alternative APNs
  • 05633800418880000400
  • 8776667

Interior

Stories1 Story
Building Area1,152 sqft Gross Area
1st Floor Area1,152 sqft

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 2003
Exterior MaterialOther
Fire ResistanceMasonry Walls, Wood Interior
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area13,726 sqft (0.315 acres)
PorchOpen Porch
Porch Area384 sqft

Location & Zoning

Account Number8776667
Street Address20 HIGH POINT RD
CityTAVERNIER
StateFL
Zip33070-2006
Property CategoryCommercial
Property TypeCommercial > Retail > Restaurant
Local Zoning CodeSC
Legal DescriptionRANDALL ADAMS SUB PB1-110 PLANTATION KEY PT LOT 9 & PT LOT 13 OR1140-1080 OR1448-50/51 OR1448-52/53C
Legal Range38E
Legal Township63S
Legal Section05
Legal SubdivisionRANDAL ADAMS SUBD
Legal Lot Number9,13
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group3
Census Block3021
Census Tract970800

Owner

Source: Monroe County records, as of June 2, 2026

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

Owner of RecordCompany Name on Record
Mailing Address160 KEY HEIGHTS DR, TAVERNIER, FL 33070-2010
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
May 18, 2026Deed of Trust, Mortgage · Balloon Mortgage
FIRST STATE BANK
Aug 12, 2019Loan Modification, Mortgage
FIRST ST BK/FL KEYS

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 19, 1997 · Amount on Record
Deed SaleMar 19, 1997 · Amount on Record
Deed Book / Page1448 / 50
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Recording DateMay 18, 2026
Property Address20 HIGH POINT RD, TAVERNIER, FL 33070-2006
Document Number0002543930
Book / Page3381 / 1349
Instrument DateApr 15, 2026
Instrument20262543930
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany, 103

Mortgage

Document Number0002543930,
DateMay 18, 2026
Book Page3381/1349
Instrument20262543930
Lender
NameFIRST STATE BANK
Agreement
TypeBalloon Mortgage
AmountAmount Recorded
Term36 Months
DueApr 15, 2029
Interest
Rate TypeBalloon
Rate6.22%
Initial TypeBalloon
Max Rate-1%

August 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE FL
Property Address20 HIGH POINT RD, TAVERNIER, FL 33070-2006
Document Number0029801245
Instrument DateAug 12, 2019
Transaction TypeMortgage
Record UpdatedSep 2, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address20 HIGH POINT RD TAVERNIER FL 330702006, TAVERNIER, FL 33070-2006

Mortgage

Document Number0029801245
DateAug 19, 2019
Book Page002980/001245
Instrument2233126
Lender
NameFIRST ST BK/FL KEYS
TypeBank
AddressKEY WEST, FL 33041-1526
Agreement
AmountAmount Recorded
Term120 Months
DueAug 18, 2029

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityIslamorada, Village Of Islands
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$10,370.00 (+9.49%)$1,260,282 (+42.64%) Land $1,070,903 Building $189,379$1,260,282 (+42.64%) Land $1,070,903 Building $189,379
2024$9,471.00 (+10.64%)
2023$8,560.00 (+16.43%)$883,570 (+54.99%) Land $709,634 Building $173,936$883,570 (+54.99%) Land $709,634 Building $173,936
2022$7,352.00$570,086 Land $387,073 Building $183,013$570,086 Land $387,073 Building $183,013

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 624 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1,096 units insured
incl. 472 condo units
Nearby Flood Claims190 (1982–2020)
Most Recent ClaimSep 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

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 84 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL in parts of the area		5,000 / 5,000
Xfinity
Cable		1,200 / 35

May also be available: T-Mobile.

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