Monroe County property record for 232 Treasure Harbor Dr, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,775 sqft · built 1971 |
| Lot Size | 0.227 acres (9,875 sqft) |
| Owner | Company Name on File |
| Last Sale | $155,000 (Feb 1988) |
| Tax Bill | $13,358 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00410620-000000 |
| Primary APN | 00410620-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,775 sqft Living Area |
| 1st Floor Area | 1,775 sqft |
| Basement Area | 195 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wood |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,875 sqft (0.227 acres) |
| View / Lot | Canal |
| Garage Type | Covered |
| Garage Area | 324 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 935 sqft |
| Deck Area | Deck Area |
| Patio Area | 48 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|
| Account Number | 1504874 |
|---|---|
| Street Address | 232 TREASURE HARBOR DR |
| City | ISLAMORADA |
| State | FL |
| Zip | 33036-3136 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 1 LT 5 REPLAT OF BLKS 1 - 2 OF TREASURE HARBOR SEC 1 PLANTATION KEY PB4-116 OR449-328/29 OR914-1925 OR914-1926 OR914-1927D/C OR962-79 OR962-2381AFF OR962-2382 OR1041-2099 OR2794-320 |
| Legal Range | 37E |
| Legal Township | 63S |
| Legal Section | 24 |
| Legal Subdivision | TREASURE HARBOR SEC 1 RE-PLAT |
| Legal Block | 1-2 |
| Legal Lot Number | 5 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3050 |
| Census Tract | 970800 |
232 Treasure Harbor Dr is owned by a company that acquired it in April 2016.
Source: Monroe County records, as of March 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 156 ASHE POINT DR, HAYESVILLE, NC 28904-4762 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 1, 1988 · Amount on File |
| Deed Sale | Feb 1, 1988 · Amount on File |
| Prior Sale | Dec 1, 1985 · Amount on File |
| Deed Book / Page | 1041 / 2099 |
| Last Transfer Date | Apr 21, 2016 |
| Transfer Doc | 0027940320 |
| Record Updated | Jun 8, 2026 |
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 | $1,177,596 Land $939,063 Building $238,533 | $1,177,596 Land $939,063 Building $238,533 | |
| 2024 | $13,358.00 (+5.34%) | ||
| 2023 | $12,681.00 (+15.12%) | $1,488,539 (+33.33%) Land $1,258,075 Building $230,464 | $1,488,539 (+33.33%) Land $1,258,075 Building $230,464 |
| 2022 | $11,015.00 | $1,116,394 Land $876,159 Building $240,235 | $1,116,394 Land $876,159 Building $240,235 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 232 Treasure Harbor Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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.
Wildfire risk around 232 Treasure Harbor Dr is low, with less than a 0.01% annual chance of wildfire.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures