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439 Palm Dr, Islamorada, FL 33036 Property Records

Monroe County property record for 439 Palm Dr, Islamorada, FL 33036

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 3,240 sqft · built 1983
Lot Size0.254 acres (11,080 sqft)
OwnerIndividual Name on Record
Last Sale$1,950,000 (Jun 2026)
Tax Bill$16,372 (2025)
Deeds & MortgagesJun 2026 Sale
Aug 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN00391440-000000

Property Details

APN / Parcel Number

Primary APN00391440-000000
Alternative APNs
  • 20643600391440000000
  • 1479764

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories2 Stories
Building Area3,240 sqft Living Area
1st Floor Area2,294 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 2015
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area11,080 sqft (0.254 acres)
View / LotCanal
Garage TypeCovered
Garage Area1,036 sqft

Exterior Amenities

Pool Area420 sqft
PorchFlorida Room
Porch Area1,726 sqft
Deck AreaDeck Area
Patio Area2,647 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1479764
Street Address439 PALM DR
CityISLAMORADA
StateFL
Zip33036-4211
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS-M
Legal DescriptionBK 4 LT 6 SAFETY HARBOR PB3-69 SECTION 1 LOWER MATECUMBE KEY OR380-379-380 OR753-1204 OR783-892 OR797-2250 R855-1458 OR877-732 OR987-2190 OR1232-2117 OR1286-1134 OR1325-797 OR1450-2217/18AFF OR1450-2220 OR2540-642/43 OR3074-0092 OR3119-2256
Legal Range36E
Legal Township64S
Legal Section20
Legal SubdivisionSAFETY HARBOR SEC 1
Legal Block4
Legal Lot Number6
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group1
Census Block1009
Census Tract970900

Owner

Source: Monroe County records, as of June 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address439 PALM DR, ISLAMORADA, FL 33036-4211
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jun 12, 2026Warranty Deed, Transfer
CORAL REEF TITLE
Aug 16, 2021Warranty Deed, Transfer · VA Mortgage
UNITED WHOLESALE MORTGAGE
Feb 5, 2021Quit Claim Deed, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 12, 2026 · Amount on Record
Deed SaleJun 12, 2026 · Amount on Record
Prior SaleAug 16, 2021 · Amount on Record
Deed Document Number20262547211
Deed Book / Page3385 / 2375
Prior Transfer DateDec 13, 1993
Prior Transfer Doc1286001134
Record UpdatedOct 29, 2026

June 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJun 12, 2026
Property Address439 PALM DR, ISLAMORADA, FL 33036-4211
Document Number0002547211
Book / Page3385 / 2375
Instrument DateJun 12, 2026
Instrument20262547211
Transaction TypeTransfer
Record UpdatedJun 25, 2026
Title CompanyCORAL REEF TITLE

Transaction

AmountAmount Recorded
Tax$1,378,650.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address439 PALM DR, ISLAMORADA, FL 33036-4211

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateAug 16, 2021
Property Address439 PALM DR, ISLAMORADA, FL 33036-4211
Document Number0031192256
Book / Page3119 / 2256
Map ReferenceMB 3 PG 69
Instrument DateMay 20, 2021
Instrument2335419
Transaction TypeTransfer
Record UpdatedAug 31, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$8,505.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address750 TRADE CENTRE WAY # WAY100, 750, PORTAGE, MI 49002-0480

Transferred To (Grantee/Buyer)

NameVerified Name
Address439 PALM DR, ISLAMORADA, FL 33036-4211

Mortgage

Document Number31192258
DateAug 16, 2021
Instrument3119/2258
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term358 Months
DueJun 1, 2051

February 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateFeb 5, 2021
Property Address439 PALM DR, ISLAMORADA, FL 33036-4211
Document Number0030740092
Book / Page3074 / 92
Map ReferenceMB 3 PG 69
Instrument DateFeb 5, 2021
Instrument2302873
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address750 TRADE CENTRE WAY # WAY100, 750, PORTAGE, MI 49002-0480

Transferred To (Grantee/Buyer)

NameVerified Name
Address750 TRADE CENTRE WAY STE 100, 100, PORTAGE, MI 49002-0481

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityIslamorada, Village Of Islands
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$16,372.00 (+5.91%)$1,717,362 (+8.15%) Land $1,205,504 Building $511,858$1,717,362 (+8.15%) Land $1,205,504 Building $511,858
2024$15,458.00 (+0.05%)
2023$15,450.00 (+35.09%)$1,587,917 (+34.98%) Land $1,177,250 Building $410,667$1,587,917 (+34.98%) Land $1,177,250 Building $410,667
2022$11,437.00 Homeowner's exemption$1,176,369 Land $729,895 Building $446,474$1,176,369 Land $729,895 Building $446,474

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 493 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies650 units insured
incl. 157 condo units
Nearby Flood Claims553 (1981–2020)
Claims Outside the SFHA2 of 553
Most Recent ClaimNov 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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

ProviderMax 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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