Monroe County property record for 257 Normandy Dr, Tavernier, FL 33070
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,555 sqft · built 2022 |
| Lot Size | 0.083 acres (3,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $3,645,000 (Nov 2025) |
| Tax Bill | $9,275 (2024) |
| Deeds & Mortgages | Jul 2024 Line of Credit Nov 2025 Sale & Mortgage |
| Flood Zone | Zone VE (high risk) |
| APN | 00489136-015100 |
| Primary APN | 00489136-015100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 3,555 sqft Living Area |
| 1st Floor Area | 1,586 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Mobile Home |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 3,600 sqft (0.083 acres) |
| Lot Dimensions | 90 ft deep x 40 ft wide |
| View / Lot | Waterfront |
| Garage Type | Covered |
| Garage Area | 1,278 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 584 sqft |
| Patio Area | 1,369 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1603601 |
|---|---|
| Street Address | 257 NORMANDY DR |
| City | TAVERNIER |
| State | FL |
| Zip | 33070-2736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URM |
| Legal Description | BK 4 LT 5 BLUE WATER TRAILER VILLAGE SEC 4 KEY LARGO PB6-100 OR602-495 OR740-775/76 OR740-777 OR850-123 OR893-1082/84 OR957-2037 OR1247-461 OR1778-2103 OR1778-2104AFF OR1950-1549C/T OR1954-48 OR2480-780 OR2674-1627/28 OR2709-1262/63 |
| Legal Range | 38E |
| Legal Township | 62S |
| Legal Section | 26 |
| Legal Subdivision | BLUE WATERS TR VILLAGE SEC 4 |
| Legal Block | 4 |
| Legal Lot Number | 5 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 970700 |
257 Normandy Dr is owned by two individuals who bought it in November 2025.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 449 ESPLANADE DR, MIAMI SPRINGS, FL 33166-5103 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 17, 2024 | Deed of Trust, Mortgage · Line of Credit CITY NATIONAL BANK OF FLORIDA |
| Nov 21, 2025 | Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 21, 2025 · Amount on File |
| Deed Sale | Nov 21, 2025 · Amount on File |
| Prior Sale | Oct 28, 2014 · Amount on File |
| Deed Document Number | 20252522964 |
| Deed Book / Page | 3354 / 1494 |
| Prior Transfer Date | Nov 21, 2003 |
| Prior Transfer Doc | 0001411099 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 257 NORMANDY DR, TAVERNIER, FL 33070-2736 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 6350 LAKE JUNE RD, MIAMI LAKES, FL 33014-3047 |
| Document Number | 0032842405 |
|---|---|
| Date | Jul 17, 2024 |
| Book Page | 3284/2405 |
| Instrument | 2468581 |
| Name | CITY NATIONAL BANK OF FLORIDA |
|---|---|
| Type | Bank |
| Address | MIAMI, FL 33131 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 9, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 21, 2025 |
| Property Address | 257 NORMANDY DR, TAVERNIER, FL 33070-2736 |
| Document Number | 0033541494 |
| Book / Page | 3354 / 1494 |
| Map Reference | MB 6 PG 100 |
| Instrument Date | Nov 14, 2025 |
| Instrument | 2522964 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $25,515.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8325 NW 161ST TER, MIAMI LAKES, FL 33016-6624 |
| Name | Verified Name |
|---|---|
| Address | 449 ESPLANADE DR, MIAMI SPRINGS, FL 33166-5103 |
| Document Number | 0033541496 |
|---|---|
| Date | Nov 21, 2025 |
| Instrument | 3354/1496 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | Dec 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 3.62% |
| Max Rate At Change | 7.62% |
| Index | 1-Year CMT |
| Max Rate | 11.6% |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,814,480 Land $933,300 Building $881,180 | $1,814,480 Land $933,300 Building $881,180 | |
| 2024 | $9,275.00 (+7.11%) | ||
| 2023 | $8,659.00 (+89.6%) | $1,183,123 (+60.91%) Land $774,000 Building $409,123 | $1,183,123 (+60.91%) Land $774,000 Building $409,123 |
| 2022 | $4,567.00 | $735,254 Land $712,800 Building $22,454 | $735,254 Land $712,800 Building $22,454 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 257 Normandy Dr in Zone VE, a high-risk coastal 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 VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 12.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 375 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 615 units insured incl. 240 condo units |
| Nearby Flood Claims | 168 (1987–2025) |
| Most Recent Claim | Aug 2025 |
| 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.
The area around 257 Normandy Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 210 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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