20 Park Rd, Islamorada, FL 33036 Property Records

Monroe County property record for 20 Park Rd, Islamorada, FL 33036

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,344 sqft · built 1986
Lot Size	0.26 acres (11,317 sqft)
Owner	Individual Name on Record
Last Sale	$775,000 (May 2026)
Tax Bill	$6,149 (2024)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`00094430-000200`

Property Details

APN / Parcel Number

Primary APN	`00094430-000200`
Alternative APNs	`27633700094430000200` `1109584`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Flooring	Ceramic Tile
Interior Walls	Masonry

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2001
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,317 sqft (0.26 acres)
Garage Type	Covered
Garage Area	910 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	722 sqft
Deck Area	Deck Area
Patio Area	390 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1109584
Street Address	20 PARK RD
City	ISLAMORADA
State	FL
Zip	33036-3506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	27 63 37 ISLAND OF UPPER MATECUMBE PT GOVT LT 1 OR326-364 OR449-144/145 OR829-75 OR831-2347 OR2056-2085/86 OR2056-2099/2100AFF OR2542-1135/36
Legal Range	37E
Legal Township	63S
Legal Section	27
Legal Subdivision	ISLAND UPPER MATECUMBE BAY
Legal Lot Number	1
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2027
Census Tract	970900

Owner

Source: Monroe County records, as of May 14, 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	20 PARK RD, ISLAMORADA, FL 33036-3506
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC
May 6, 2026	Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC
Aug 29, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage EMANUELA SLATE
Oct 9, 2018	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Mar 18, 2019	Loan Modification, Mortgage · Conventional Mortgage US SMALL BUSINESS ADMINISTRATI
Apr 4, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2026 · Amount on Record
Deed Sale	May 6, 2026 · Amount on Record
Prior Sale	Aug 29, 2025 · Amount on Record
Deed Document Number	20262542469
Deed Book / Page	3379 / 1753
Prior Transfer Date	May 1, 1981
Prior Transfer Doc	0831002347
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 6, 2026
Property Address	20 PARK RD, ISLAMORADA, FL 33036-3506
Document Number	0002542469
Book / Page	3379 / 1753
Instrument Date	Apr 30, 2026
Instrument	2026.2542469
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$547,925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 PARK RD, ISLAMORADA, FL 33036-3506

Mortgage

Document Number	0002542470,
Date	May 6, 2026
Instrument	2026..2542470

Lender

Name	PLAZA HOME MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 6, 2026
Property Address	20 PARK RD, ISLAMORADA, FL 33036-3506
Document Number	0033791753
Book / Page	3379 / 1753
Instrument Date	Apr 30, 2026
Instrument	20262542469
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$547,925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 PARK RD, ISLAMORADA, FL 33036-3506

Mortgage

Document Number	0002542470,
Date	May 6, 2026
Instrument	20262542470

Lender

Name	PLAZA HOME MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 29, 2025
Property Address	20 PARK RD, ISLAMORADA, FL 33036-3506
Document Number	0033422007
Book / Page	3342 / 2007
Instrument Date	Aug 29, 2025
Instrument	2513603
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	CORAL REEF TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 623, ISLAMORADA, FL 33036-0623

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1057, TAVERNIER, FL 33070-1057

Mortgage

Document Number	0033431955
Date	Aug 29, 2025
Instrument	3343/1955

Lender

Name	EMANUELA SLATE
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	20 PARK RD, ISLAMORADA, FL 33036-3506
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029301988
Date	Oct 9, 2018
Book Page	2930/1988
Instrument	2189751

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	FORT WORTH, TX 76155

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Sep 24, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	2 Years

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	20 PARK RD, ISLAMORADA, FL 33036-3506
Document Number	0029540201
Instrument Date	Mar 18, 2019
Transaction Type	Mortgage
Record Updated	May 14, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 623 ISLAMORADA FL 330360623, ISLAMORADA, FL 33036-0623

Mortgage

Document Number	0029540201
Date	Mar 18, 2019
Book Page	002954/000201
Instrument	2211326

Lender

Name	US SMALL BUSINESS ADMINISTRATI
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 17, 2034

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	20 PARK RD, ISLAMORADA, FL 33036-3506
Document Number	0028512136
Instrument Date	Apr 4, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 PARK RD ISLAMORADA FL 330363506, ISLAMORADA, FL 33036-3506

Mortgage

Document Number	0028512136
Date	May 1, 2017
Book Page	002851/002136
Instrument	2121078

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2047

Interest

Rate Type	Adjustable Rate

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		$239,226 (+2.9%)	$734,751 (+3.09%) Land $550,629 Building $184,122
2024	$6,149.00 (+0.38%) Homeowner's exemption	$232,484 (+3%)	$712,704 (-4.58%) Land $531,786 Building $180,918
2023	$6,126.00 (+130.39%) Homeowner's exemption	$225,713 (+3%)	$746,892 (+35.47%) Land $577,846 Building $169,046
2022	$2,659.00 Homeowner's exemption	$219,139	$551,321 Land $385,231 Building $166,090

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 265 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	387 units insured incl. 122 condo units
Nearby Flood Claims	582 (1982–2022)
Claims Outside the SFHA	21 of 582
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 197 claims Hurricane Irene, Oct 1999 · 80 claims Hurricane Georges, Sep 1998 · 84 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	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	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 110 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications, T-Mobile.

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