Monroe County property record for 407 Palm Dr, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,349 sqft · built 2021 |
| Lot Size | 0.236 acres (10,280 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $100 (Feb 2019) |
| Tax Bill | $14,191 (2024) |
| Deeds & Mortgages | Dec 2025 Mortgage Nov 2023 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00391650-000000 |
| Primary APN | 00391650-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,349 sqft Living Area |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 10,280 sqft (0.236 acres) |
| View / Lot | Canal |
| Garage Type | Covered |
| Garage Area | 1,951 sqft |
| Porch | Open Porch |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 1479977 |
|---|---|
| Street Address | 407 PALM DR |
| City | ISLAMORADA |
| State | FL |
| Zip | 33036-4212 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS-M |
| Legal Description | BK 5 LT 10 SAFETY HARBOR PB3-69 SEC 1 LOWER MATECUMBE KEY OR47-181 OR77-450 OR158-273 OR374-677 OR806-3 OR2793-1275 OR2950-0543 OR2967-1297 OR3251-1299 OR3251-1301 |
| Legal Range | 36E |
| Legal Township | 64S |
| Legal Section | 20 |
| Legal Subdivision | SAFETY HARBOR SEC 1 |
| Legal Block | 5 |
| Legal Lot Number | 10 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 970900 |
407 Palm Dr is owned and occupied by two individuals who acquired it in November 2023.
Source: Monroe County records, as of January 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 407 PALM DR, ISLAMORADA, FL 33036-4212 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Dec 29, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 21, 2023 | Quit Claim Deed, Transfer · Conventional Mortgage NEXBANK SSB |
| Jun 3, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Nov 21, 2023 | Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Feb 22, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 22, 2019 · Amount on File |
| Deed Sale | Feb 22, 2019 · Amount on File |
| Prior Sale | Apr 26, 2016 · Amount on File |
| Deed Document Number | 20192207811 |
| Deed Book / Page | 2950 / 543 |
| Last Transfer Date | Nov 15, 2023 |
| Transfer Doc | 0032511301 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 407 PALM DR, ISLAMORADA, FL 33036-4212 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|---|
| Address | 407 PALM DR, ISLAMORADA, FL 33036-4212 |
| Document Number | 0033600142 |
|---|---|
| Date | Dec 29, 2025 |
| Book Page | 3360/142 |
| Instrument | 2526871 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 21, 2023 |
| Property Address | 407 PALM DR, ISLAMORADA, FL 33036-4212 |
| Document Number | 0032511301 |
| Book / Page | 3251 / 1301 |
| Map Reference | MB 3 PG 69 |
| Instrument Date | Nov 15, 2023 |
| Instrument | 2440651 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2023 |
| Title Company | FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ES |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 407 PALM DR, ISLAMORADA, FL 33036-4212 |
| Name | Verified Name |
|---|---|
| Address | 407 PALM DR, ISLAMORADA, FL 33036-4212 |
| Document Number | 0032511303 |
|---|---|
| Date | Nov 21, 2023 |
| Instrument | 3251/1303 |
| Name | NEXBANK SSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.75% |
| Type Change Date | Dec 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 5.75% |
| Max Rate At Change | 9.75% |
| Margin | 4 |
| Max Rate | 12.7% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jun 3, 2019 |
| Property Address | 407 PALM DR, ISLAMORADA, FL 33036-4212 |
| Document Number | 0029671297 |
| Book / Page | 002967 / 001297 |
| Instrument Date | May 27, 2019 |
| Instrument | 2222719 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | CALLE HERMOSA |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 21, 2023 |
| Property Address | 407 PALM DR, ISLAMORADA, FL 33036-4212 |
| Document Number | 0032511299 |
| Book / Page | 3251 / 1299 |
| Map Reference | MB 3 PG 69 |
| Instrument Date | May 27, 2019 |
| Instrument | 2440650 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | CALLE HERMOSA, PLAYA HERMOSA XX |
| Name | Verified Name |
|---|---|
| Address | 1 AEROPOST WAY, MIAMI, FL 33206-3206 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Feb 22, 2019 |
| Property Address | 407 PALM DR, ISLAMORADA, FL 33036-4212 |
| Document Number | 0029500543 |
| Book / Page | 002950 / 000543 |
| Instrument Date | Feb 22, 2019 |
| Instrument | 2207811 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6703 NW 7TH ST SJO- 323730 MIAMI FL 33126, MIAMI, FL 33126 |
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 | $1,628,667 | $2,022,215 Land $1,328,998 Building $693,217 | |
| 2024 | $14,191.00 (+2.06%) | ||
| 2023 | $13,905.00 (+2.1%) Homeowner's exemption | $1,520,708 (+3.3%) | $1,958,189 (+33.02%) Land $1,297,850 Building $660,339 |
| 2022 | $13,619.00 Homeowner's exemption | $1,472,125 Land $804,667 Building $667,458 | $1,472,125 Land $804,667 Building $667,458 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 407 Palm 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 | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 407 Palm Dr is low, with 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 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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