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402 Gulf St, Islamorada, FL 33036 Property Records

Monroe County property record for 402 Gulf St, Islamorada, FL 33036

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,813 sqft · built 1991
Lot Size5.65 acres (246,115 sqft)
OwnerOwner Name on File
Last Sale$3,400,000 (Jun 2010)
Tax Bill$38,962 (2024)
Flood ZoneZone AE (high risk)
APN00095580-000100

Property Details

APN / Parcel Number

Primary APN00095580-000100
Alternative APNs
  • 32633700095580000100
  • 8578091

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area1,813 sqft Living Area
1st Floor Area1,809 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 2010
Exterior MaterialWood
Construction TypeWood
Foundation TypePile
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area246,115 sqft (5.65 acres)

Exterior Amenities

Pool Area800 sqft
PorchEnclosed Porch
Porch Area2,377 sqft
Deck Area600 sqft
Patio Area126 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number8578091
Old Parcel Number32633700095580000100
Street Address402 GULF ST
CityISLAMORADA
StateFL
Zip33036-3760
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description32 63 37 PT LOT 3 ISLAND OF UPPER MATECUMBE BAY BTM ADJ PT LOT 3 (.92AC) PB1-41 G57-183 OR275-536/37 OR831-973/974
Legal Range37E
Legal Township63S
Legal Section32
Legal SubdivisionISLAND UPPER MATECUMBE BAY
Legal Lot Number3
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group3
Census Block3022
Census Tract970900

Owner

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 RecordOwner Name on File
Mailing Address5000 HAMMOCK LAKE DR, CORAL GABLES, FL 33156-2222

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 1, 2010 · Amount on File
Deed SaleJun 1, 2010 · Amount on File
Prior SaleJun 1, 2010 · Amount on File
Deed Document Number1791743
Deed Book / Page2468 / 0308
Record UpdatedJun 8, 2026

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityIslamorada, Village Of Islands
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,188,556 (+32.16%) Land $5,782,434 Building $406,122$6,188,556 (+32.16%) Land $5,782,434 Building $406,122
2024$38,962.00 (+5.63%)
2023$36,887.00 (+2.14%)$4,682,790 (-6.13%) Land $4,329,203 Building $353,587$4,682,790 (-6.13%) Land $4,329,203 Building $353,587
2022$36,115.00$4,988,616 Land $4,625,781 Building $362,835$4,988,616 Land $4,625,781 Building $362,835

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 329 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies457 units insured
incl. 128 condo units
Nearby Flood Claims126 (2005–2022)
Claims Outside the SFHA4 of 126
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Sep 2022 · 3 claims
  • Hurricane Irma, Sep 2017 · 85 claims
  • Hurricane Katrina Evacuation, Sep 2005 · 24 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 RiskLow
lower than 96% of the US · lower than 96% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation

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 70 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
AT&T
Fixed Wireless · Fiber, DSL in parts of the area		100 / 20

May also be available: T-Mobile.

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