Monroe County property record for 232 Tide Ave, Tavernier, FL 33070
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 5,720 sqft · built 1993 |
| Lot Size | 0.279 acres (12,135 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $8,623 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage May 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00434500-000000 |
| Primary APN | 00434500-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 3 Stories |
| Building Area | 5,720 sqft Living Area |
| Gross Area | 6,360 sqft |
| 1st Floor Area | 5,464 sqft |
| Attic | Attic |
| Attic Area | 252 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plaster |
| Elevator | Elevator |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Reinforced Concrete |
| Roof Material | Concrete |
| Lot Area | 12,135 sqft (0.279 acres) |
| Lot Dimensions | 163 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 640 sqft |
| Pool Area | 533 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 411 sqft |
| Deck Area | 135 sqft |
| Patio Area | 2,500 sqft |
| Water Feature | Water Feature |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1532312 |
|---|---|
| Street Address | 232 TIDE AVE |
| City | TAVERNIER |
| State | FL |
| Zip | 33070-2436 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 6 LT 8 EDENAIRE PLANTATION KEY PB4-32 OR481-276 OR1156-2359 OR1214-2173 OR1341-1087/88 OR1342-374/75F/J OR2613-2139 OR2636-228LET/ADM |
| Legal Range | 38E |
| Legal Township | 62S |
| Legal Section | 33 |
| Legal Subdivision | EDENAIRE |
| Legal Block | 6 |
| Legal Lot Number | 8 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 970700 |
Source: Monroe County records, as of August 13, 2026
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 | 232 TIDE AVE, TAVERNIER, FL 33070-2436 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 3, 2026 | Deed of Trust, Mortgage · Balloon Mortgage NONE LISTED ON DOCUMENT |
| May 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2013 |
| Deed Sale | May 8, 2013 |
| Prior Sale | Feb 15, 2013 · Amount on Record |
| Deed Book / Page | 2636 / 228 |
| Prior Transfer Date | Jan 13, 1995 |
| Prior Transfer Doc | 1341001087 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 3, 2026 |
| Property Address | 232 TIDE AVE, TAVERNIER, FL 33070-2436 |
| Document Number | 0002554971 |
| Book / Page | 3395 / 1981 |
| Instrument Date | Jul 28, 2026 |
| Instrument | 20262554971 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 232 TIDE AVE, TAVERNIER, FL 33070-2436 |
| Document Number | 0002554971, |
|---|---|
| Date | Aug 3, 2026 |
| Book Page | 3395/1981 |
| Instrument | 20262554971 |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate Type | Balloon |
|---|---|
| Rate | 6.43% |
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 232 TIDE AVE, TAVERNIER, FL 33070-2436 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN SOLUTIONS |
| Name | Verified Name |
|---|
| Document Number | 0030240604 |
|---|---|
| Date | May 28, 2020 |
| Book Page | 3024/604 |
| Instrument | 2267353 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | JACKSONVILLE, FL 32256 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2035 |
Source: Monroe County assessment roll, as of December 8, 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 | $8,623.00 (+3.39%) Homeowner's exemption | $898,087 (+5.99%) | $3,605,826 (+18.66%) Land $2,397,091 Building $1,208,735 |
| 2024 | $8,340.00 (+0.72%) | ||
| 2023 | $8,280.00 (+1.86%) Homeowner's exemption | $847,357 (+3%) | $3,038,687 (+2.38%) Land $1,805,510 Building $1,233,177 |
| 2022 | $8,129.00 Homeowner's exemption | $822,677 | $2,968,144 Land $1,708,491 Building $1,259,653 |
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 | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 280 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 394 units insured incl. 114 condo units |
| Nearby Flood Claims | 182 (1994–2023) |
| Claims Outside the SFHA | 2 of 182 |
| Most Recent Claim | Nov 2023 · 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 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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