Monroe County property record for 26985 Dolphin Rd, Ramrod Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,045 sqft · built 1953 |
| Lot Size | 0.329 acres (14,366 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $530,000 (Mar 2022) |
| Tax Bill | $5,312 (2024) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Aug 2017 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00208470-000000 |
| Primary APN | 00208470-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,045 sqft Living Area |
| 1st Floor Area | 1,045 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Combination |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,366 sqft (0.329 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | 100 sqft |
| Patio Area | 100 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1271764 |
|---|---|
| Old Parcel Number | 30662900208470000000 |
| Street Address | 26985 DOLPHIN RD |
| City | RAMROD KEY |
| State | FL |
| Zip | 33042-5353 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 8 S 22.5' LTS 11 & 12 & ALL 13 & 14 RAMROD SHORES FIRST ADDN PB4-51 RAMROD KEY OR170-64/65 OR1205-1489/90 OR1313-1444 |
| Legal Range | 29E |
| Legal Township | 66S |
| Legal Section | 30 |
| Legal Subdivision | RAMROD SHORES 1ST ADD |
| Legal Block | 8 |
| Legal Lot Number | 11-12 12 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 2 |
| Census Block | 2047 |
| Census Tract | 971502 |
Source: Monroe County records, as of December 5, 2025
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 15 DEER HOLLOW RD, FORESTDALE, MA 02644-1713 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 24, 2022 | Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA |
| Aug 16, 2017 | Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA |
| Oct 3, 2019 | Deed of Trust, Mortgage · VA Mortgage MR COOPER |
| Jul 16, 2018 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 24, 2022 · Amount on Record |
| Deed Sale | Mar 24, 2022 · Amount on Record |
| Prior Sale | Jul 16, 2018 · Amount on Record |
| Deed Document Number | 2367526 |
| Deed Book / Page | 3163 / 933 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 24, 2022 |
| Property Address | 26985 DOLPHIN RD, RAMROD KEY, FL 33042-5353 |
| Document Number | 0031630933 |
| Book / Page | 3163 / 933 |
| Map Reference | MB 4 PG 51 |
| Instrument Date | Mar 18, 2022 |
| Instrument | 2367526 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2023 |
| Title Company | QUICKSILVA TITLE LLC, QUICKSILVA T&E LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,710.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 241 PALMETTO AVE, BIG PINE KEY, FL 33043-3107 |
| Name | Verified Name |
|---|---|
| Address | 15 GULLY LN, SANDWICH, MA 02563 |
| Document Number | 0003163936 |
|---|---|
| Date | Mar 24, 2022 |
| Instrument | 3163/936 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 26985 DOLPHIN RD, RAMROD KEY, FL 33042-5353 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0028690563 |
|---|---|
| Date | Aug 16, 2017 |
| Book Page | 2869/0563 |
| Instrument | 2135219 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Apr 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 26985 DOLPHIN RD, RAMROD KEY, FL 33042-5353 |
| Document Number | 0029881937 |
| Instrument Date | Oct 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 26985 DOLPHIN RD SUMMERLAND KEY FL 330425353, SUMMERLAND KEY, FL 33042-5353 |
| Document Number | 0029881937 |
|---|---|
| Date | Oct 9, 2019 |
| Book Page | 002988/001937 |
| Instrument | 2239964 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 8, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 16, 2018 |
| Property Address | 26985 DOLPHIN RD, RAMROD KEY, FL 33042-5353 |
| Document Number | 0029170219 |
| Book / Page | 002917 / 000219 |
| Instrument Date | Jul 13, 2018 |
| Instrument | 2178104 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2018 |
| Title Company | TRUE TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,576.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 26985 DOLPHIN RD RAMROD KEY FL 330425353, RAMROD KEY, FL 33042-5353 |
| Document Number | 29170221 |
|---|---|
| Date | Jul 16, 2018 |
| Book Page | 002917/000221 |
| Instrument | 2178105 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 15, 2048 |
Source: Monroe County assessment roll, as of July 1, 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 | $536,431 (+3.35%) Land $403,527 Building $132,904 | $536,431 (+3.35%) Land $403,527 Building $132,904 | |
| 2024 | $5,312.00 (+2.99%) | ||
| 2023 | $5,158.00 (+12.79%) | $519,027 (+15.4%) Land $396,687 Building $122,340 | $519,027 (+15.4%) Land $396,687 Building $122,340 |
| 2022 | $4,573.00 | $449,772 Land $319,174 Building $130,598 | $449,772 Land $319,174 Building $130,598 |
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 | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 829 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 829 in force |
| Nearby Flood Claims | 700 (1998–2024) |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| 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 98% of the US · lower than 97.6% 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 128 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T Fiber · Fixed Wireless in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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