435 Palm Dr, Islamorada, FL 33036 Property Records

Monroe County property record for 435 Palm Dr, Islamorada, FL 33036

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,492 sqft · built 1986
Lot Size	0.265 acres (11,520 sqft)
Owner	Trust Name on File
Last Sale	$950,000 (Dec 2004)
Tax Bill	$8,559 (2025)
Deeds & Mortgages	Jun 2021 Transfer
Flood Zone	Zone AE (high risk)
APN	`00391450-000000`

Property Details

APN / Parcel Number

Primary APN	`00391450-000000`
Alternative APNs	`20643600391450000000` `1479772`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,492 sqft Living Area
Gross Area	2,804 sqft
1st Floor Area	2,128 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	11,520 sqft (0.265 acres)
View / Lot	Canal
Garage Type	Attached
Garage Area	312 sqft

Exterior Amenities

Porch	Slab
Porch Area	1,154 sqft
Patio Area	612 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1479772
Street Address	435 PALM DR
City	ISLAMORADA
State	FL
Zip	33036-4211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS-M
Legal Description	BK 4 LOT 7 SAFETY HARBOR PB3-69 SEC 1 LOWER MATECUMBE KEY OR609-8 OR609-10 OR1306-1604 OR2063-2047 OR2063-2046 OR3107-0032
Legal Range	36E
Legal Township	64S
Legal Section	20
Legal Subdivision	SAFETY HARBOR SEC 1
Legal Tract	ON
Legal Block	4
Legal Lot Number	7
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1009
Census Tract	970900

Owner

435 Palm Dr is owner-occupied and held in a trust since December 2004.

Source: Monroe County records, as of May 4, 2026

Owner of Record	Trust Name on File
Mailing Address	435 PALM DR, ISLAMORADA, FL 33036-4211
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2004 · Amount on File
Deed Sale	Dec 6, 2004 · Amount on File
Prior Sale	Feb 1, 1975 · Amount on File
Deed Document Number	20041482388
Deed Book / Page	2063 / 2047
Prior Transfer Date	Apr 7, 1994
Prior Transfer Doc	1306001604
Record Updated	Oct 29, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Jun 21, 2021
Property Address	435 PALM DR, ISLAMORADA, FL 33036-4211
Document Number	0031070032
Book / Page	3107 / 32
Map Reference	MB 3 PG 69
Instrument Date	Jun 17, 2021
Instrument	2326290
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	435 PALM DR, ISLAMORADA, FL 33036-4211

Tax Assessment & Valuation

The 2025 property tax bill for 435 Palm Dr was $8,559 with a homeowner's exemption, up 3.4% from the year before.

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	$8,559.00 (+3.37%) Homeowner's exemption	$883,644	$1,569,963 Land $1,228,308 Building $341,655
2024	$8,280.00 (+0.72%)
2023	$8,221.00 (+1.85%) Homeowner's exemption	$833,730 (+3%)	$1,535,840 (+40.36%) Land $1,199,520 Building $336,320
2022	$8,072.00 Homeowner's exemption	$809,447	$1,094,241 Land $743,702 Building $350,539

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

Flood

FEMA maps place 435 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	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 435 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