Monroe County property record for 430 Palm Dr, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 6 ba · 5,249 sqft · built 2017 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $5,550,000 (Sep 2026) |
| Tax Bill | $31,236 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Dec 2025 Transfer + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00391250-000000 |
| Primary APN | 00391250-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 5,249 sqft Living Area |
| Gross Area | 5,753 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wood |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Custom |
| Foundation Type | Pile |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 10,000 sqft (0.23 acres) |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Porch | Slab |
| Boat Access | Boat Access |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 1479578 |
|---|---|
| Street Address | 430 PALM DR |
| City | ISLAMORADA |
| State | FL |
| Zip | 33036-4210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS-M |
| Legal Description | BK 3 LT 10 SAFETY HARBOR PB 3-69 SEC-1 LOWER MATECUMBE KEY OR480-844 OR832-483 OR865-2468 OR1265-2191 OR1345-446/47 OR1775-670/71 OR2019-428 OR2024-325 OR2221-1384/85 OR2776-1078 OR2884-2000/01 OR2939-1932 OR3130-1838 |
| Legal Range | 36E |
| Legal Township | 64S |
| Legal Section | 20 |
| Legal Subdivision | SAFETY HARBOR SEC 1 |
| Legal Block | 3 |
| Legal Lot Number | 10 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 970900 |
430 Palm Dr is held in a trust since September 2026.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 1317 S DRIFTWOOD DR, PALM SPRINGS, CA 92264-8523 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 |
|---|---|
| Sep 15, 2026 | Warranty Deed, Transfer · Conventional Mortgage HOMETOWN EQUITY MORTGAGE |
| Dec 19, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Oct 12, 2021 | Quit Claim Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Dec 10, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Dec 27, 2017 | Warranty Deed, Transfer BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 15, 2026 · Amount on File |
| Deed Sale | Sep 15, 2026 · Amount on File |
| Prior Sale | Dec 27, 2017 · Amount on File |
| Deed Document Number | 20262560574 |
| Deed Book / Page | 3402 / 963 |
| Prior Transfer Date | Oct 7, 2021 |
| Prior Transfer Doc | 0031301838 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 15, 2026 |
| Property Address | 430 PALM DR, ISLAMORADA, FL 33036-4210 |
| Document Number | 0002560574 |
| Book / Page | 3402 / 963 |
| Instrument Date | Sep 10, 2026 |
| Instrument | 20262560574 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,923,850.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1317 S DRIFTWOOD DR, PALM SPRINGS, CA 92264-8523 |
| Document Number | 0002560576, |
|---|---|
| Date | Sep 15, 2026 |
| Instrument | 20262560576 |
| Name | HOMETOWN EQUITY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Dec 19, 2025 |
| Property Address | 430 PALM DR, ISLAMORADA, FL 33036-4210 |
| Document Number | 0033582043 |
| Book / Page | 3358 / 2043 |
| Map Reference | MB 3 PG 69 |
| Instrument Date | Dec 10, 2025 |
| Instrument | 2526073 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5701 UTICA RIDGE RD, DAVENPORT, IA 52807-2914 |
| Name | Verified Name |
|---|---|
| Address | 5701 UTICA RIDGE RD # B, B, DAVENPORT, IA 52807-2914 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Oct 12, 2021 |
| Property Address | 430 PALM DR, ISLAMORADA, FL 33036-4210 |
| Document Number | 0031301838 |
| Book / Page | 3130 / 1838 |
| Map Reference | MB 3 PG 69 |
| Instrument Date | Oct 7, 2021 |
| Instrument | 2343463 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5122 230TH STREET N, ISLAMORADA, FL 33036 |
| Document Number | 0031301840 |
|---|---|
| Date | Oct 12, 2021 |
| Instrument | 3130/1840 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Dec 10, 2018 |
| Property Address | 430 PALM DR, ISLAMORADA, FL 33036-4210 |
| Document Number | 0029391932 |
| Book / Page | 002939 / 001932 |
| Instrument Date | Oct 24, 2018 |
| Instrument | 2197695 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 430 PALM DR ISLAMORADA FL 330364210, ISLAMORADA, FL 33036-4210 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Dec 27, 2017 |
| Property Address | 430 PALM DR, ISLAMORADA, FL 33036-4210 |
| Document Number | 0028842000 |
| Book / Page | 002884 / 002000 |
| Instrument Date | Dec 13, 2017 |
| Instrument | 2148798 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $161.70 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 16 PEBBLE CREEK DR LECLAIRE IA 527539263, LECLAIRE, IA 52753-9263 |
| Document Number | 28842002 |
|---|---|
| Date | Dec 27, 2017 |
| Book Page | 002884/002002 |
| Instrument | 2148799 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | 700 LOUISIANA ST 4TH, HOUSTON, TX 77002 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Dec 26, 2032 |
The 2025 property tax bill for 430 Palm Dr was $31,236, up 6.9% from the year before.
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 | $31,236.00 (+6.85%) | $3,486,408 Land $1,566,720 Building $1,919,688 | $3,486,408 Land $1,566,720 Building $1,919,688 |
| 2024 | $29,233.00 (+4.78%) | ||
| 2023 | $27,900.00 (+11.9%) | $3,396,303 (+20.45%) Land $1,530,000 Building $1,866,303 | $3,396,303 (+20.45%) Land $1,530,000 Building $1,866,303 |
| 2022 | $24,932.00 | $2,819,637 Land $948,600 Building $1,871,037 | $2,819,637 Land $948,600 Building $1,871,037 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 430 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 | 8.0 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 430 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 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 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 56 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · 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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