Monroe County property record for 404 Palm Dr, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,604 sqft · built 2019 |
| Lot Size | 0.229 acres (10,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $275,000 (Dec 2007) |
| Tax Bill | $12,758 (2024) |
| Deeds & Mortgages | May 2021 Mortgage Aug 2018 Construction Loan |
| Flood Zone | Zone AE (high risk) |
| APN | 00391330-000000 |
| Primary APN | 00391330-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,604 sqft Living Area |
| Flooring | Marble |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Other |
| Foundation Type | Pile |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 10,000 sqft (0.229 acres) |
| Lot Dimensions | 100 ft deep x 100 ft wide |
| Garage Area | 330 sqft |
| Porch | Enclosed Porch |
| Heating System | Forced Air |
|---|
| Account Number | 1479659 |
|---|---|
| Old Parcel Number | 20643600391330000000 |
| Street Address | 404 PALM DR |
| City | ISLAMORADA |
| State | FL |
| Zip | 33036-4210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLK 3 LOT 18 SAFETY HARBOR PB3-69 SECTION 1 LOWER MATECUMBE KEY OR144-259/260 OR2335-2348/2350 |
| Legal Range | 36E |
| Legal Township | 64S |
| Legal Section | 20 |
| Legal Subdivision | SAFETY HARBOR SEC 1 |
| Legal Block | 3 |
| Legal Lot Number | 18 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 970900 |
Source: Monroe County records, as of December 5, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 404 PALM DR, ISLAMORADA, FL 33036-4210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FEMBI MORTGAGE |
| Aug 16, 2018 | Deed of Trust, Mortgage · Construction Mortgage CENTERSTATE BANK OF FLORIDA NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 2007 · Amount on Record |
| Deed Sale | Dec 12, 2007 · Amount on Record |
| Deed Document Number | 1674223 |
| Deed Book / Page | 2335 / 2348 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 404 PALM DR, ISLAMORADA, FL 33036-4210 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 404 PALM DR, ISLAMORADA, FL 33036-4210 |
| Document Number | 0030941571 |
|---|---|
| Date | May 4, 2021 |
| Book Page | 3094/1571 |
| Instrument | 2317641 |
| Name | FEMBI MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33156 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 404 PALM DR, ISLAMORADA, FL 33036-4210 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CORAL REEF TITLE |
| Name | Verified Name |
|---|
| Document Number | 0029221063 |
|---|---|
| Date | Aug 16, 2018 |
| Book Page | 2922/1063 |
| Instrument | 2182682 |
| Name | CENTERSTATE BANK OF FLORIDA NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33881 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Sep 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.87% |
| Type Change Date | Sep 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.87% |
| Max Rate At Change | 6.87% |
| Index | 1-Year CMT |
| Max Rate | 10.8% |
Source: Monroe County assessment roll, as of July 1, 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 | $1,403,128 (+5.99%) | $2,473,813 (+3.33%) Land $1,566,720 Building $907,093 | |
| 2024 | $12,758.00 (+0.69%) | ||
| 2023 | $12,671.00 (+1.89%) Homeowner's exemption | $1,323,869 (+3%) | $2,394,176 (+31.62%) Land $1,530,000 Building $864,176 |
| 2022 | $12,436.00 Homeowner's exemption | $1,285,310 | $1,818,938 Land $948,600 Building $870,338 |
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 493 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 650 units insured incl. 157 condo units |
| Nearby Flood Claims | 553 (1981–2020) |
| Claims Outside the SFHA | 2 of 553 |
| Most Recent Claim | Nov 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 231 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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