434 Palm Dr, Islamorada, FL 33036 Property Records

Monroe County property record for 434 Palm Dr, Islamorada, FL 33036

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,264 sqft · built 1976
Lot Size	0.265 acres (11,520 sqft)
Owner	2 Individual Names on File
Last Sale	$520,000 (May 2001)
Tax Bill	$8,739 (2024)
Deeds & Mortgages	Dec 2022 Transfer
Flood Zone	Zone AE (high risk)
APN	`00391240-000000`

Property Details

APN / Parcel Number

Primary APN	`00391240-000000`
Alternative APNs	`20643600391240000000` `1479560`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,264 sqft Living Area
Gross Area	2,680 sqft
1st Floor Area	1,900 sqft
Basement Area	364 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2016
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Geodesic/Dome
Roof Material	Concrete
Lot Area	11,520 sqft (0.265 acres)
View / Lot	Canal
Garage Type	Attached
Garage Area	416 sqft

Exterior Amenities

Pool Area	512 sqft
Porch	Open Porch
Porch Area	1,162 sqft
Patio Area	176 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1479560
Street Address	434 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 9 SAFETY HARBOR PB 3-69 SEC-1 LOWER MATECUMBE KEY OR495-212 OR689-211 OR758-847 OR1265-2189/90QC OR1345-444/45Q/C OR1697-1041/42 OR3206-1967
Legal Range	36E
Legal Township	64S
Legal Section	20
Legal Subdivision	SAFETY HARBOR SEC 1
Legal Block	3
Legal Lot Number	9
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1018
Census Tract	970900

Owner

434 Palm Dr is owned and occupied by two individuals who bought it in May 2001.

Source: Monroe County records, as of March 6, 2026

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	2 Individual Names on File
Mailing Address	402 MYRTLE AVE, WEST ISLIP, NY 11795-4115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2001 · Amount on File
Deed Sale	May 21, 2001 · Amount on File
Deed Book / Page	1697 / 1041
Prior Transfer Date	Jan 18, 1995
Prior Transfer Doc	1345000444
Record Updated	Oct 29, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Dec 30, 2022
Property Address	434 PALM DR, ISLAMORADA, FL 33036-4210
Document Number	0032061967
Book / Page	3206 / 1967
Instrument Date	Dec 22, 2022
Instrument	2402121
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4625 CAPTREE IS, CAPTREE ISLAND, NY 11702-4605

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	402 MYRTLE AVE, WEST ISLIP, NY 11795-4115

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Municipality	Islamorada, Village Of Islands
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$936,907	$2,283,126 Land $1,734,083 Building $549,043
2024	$8,739.00 (+0.71%)
2023	$8,677.00 (+1.85%) Homeowner's exemption	$883,984 (+3%)	$2,211,757 (+40.73%) Land $1,693,440 Building $518,317
2022	$8,519.00 Homeowner's exemption	$858,237	$1,571,679 Land $1,049,933 Building $521,746

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

Flood

FEMA maps place 434 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	9.0 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	Hurricane Irma, Sep 2017 · 250 claims Hurricane Wilma, Oct 2005 · 78 claims Hurricane Georges, Sep 1998 · 120 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

Wildfire risk around 434 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.

Internet Providers

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