Monroe County property record for 438 Palm Dr, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,650 sqft · built 1977 |
| Lot Size | 0.446 acres (19,438 sqft) |
| Owner | Individual Name on File |
| Last Sale | $575,000 (Nov 1994) |
| Tax Bill | $30,227 (2024) |
| Flood Zone | Zone VE (high risk) |
| APN | 00391230-000000 |
| Primary APN | 00391230-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,650 sqft Living Area |
| 1st Floor Area | 1,650 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Other |
| Construction Type | Concrete |
| Foundation Type | Pile |
| Roof Type | Reinforced Concrete |
| Roof Material | Other |
| Lot Area | 19,438 sqft (0.446 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Pool Area | 1,120 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 967 sqft |
| Deck Area | 2,620 sqft |
| Patio Area | 2,620 sqft |
| Water Feature | Water Feature |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1479551 |
|---|---|
| Old Parcel Number | 20643600391230000000 |
| Street Address | 438 PALM DR |
| City | ISLAMORADA |
| State | FL |
| Zip | 33036-4210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 3 LT 8 SAFETY HARBOR PB 3-69 SEC-1 LOWER MATECUMBE KEY OR36-28 OR629-853 OR789-1511 OR872-267 OR882-101Q/C OR1330-82/83 |
| Legal Range | 36E |
| Legal Township | 64S |
| Legal Section | 20 |
| Legal Subdivision | SAFETY HARBOR SEC 1 |
| Legal Block | 3 |
| Legal Lot Number | 8 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 970900 |
438 Palm Dr is owned by an individual who bought it in November 1994.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 73 LITTLE HARBOR WAY, DEERFIELD BEACH, FL 33441-3606 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 14, 1994 · Amount on File |
| Deed Sale | Nov 14, 1994 · Amount on File |
| Deed Document Number | 0133000082 |
| Deed Book / Page | 01330 / 00082 |
| Record Updated | Jun 8, 2026 |
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 | $4,139,602 Land $3,540,500 Building $599,102 | $4,139,602 Land $3,540,500 Building $599,102 | |
| 2024 | $30,227.00 (+4.21%) | ||
| 2023 | $29,007.00 (+13.64%) | $4,013,562 (+24.28%) Land $3,429,144 Building $584,418 | $4,013,562 (+24.28%) Land $3,429,144 Building $584,418 |
| 2022 | $25,525.00 | $3,229,408 Land $2,636,460 Building $592,948 | $3,229,408 Land $2,636,460 Building $592,948 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 438 Palm Dr in Zone VE, a high-risk coastal 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 VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 10.0 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 438 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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