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442 Palm Dr, Islamorada, FL 33036 Property Records

Monroe County property record for 442 Palm Dr, Islamorada, FL 33036

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,214 sqft · built 1977
Lot Size0.265 acres (11,520 sqft)
Owner2 Individual Names on File
Last Sale$3,900,000 (Sep 2025)
Tax Bill$23,142 (2024)
Deeds & MortgagesSep 2025 Sale
Dec 2021 Sale
+ 8 more
Flood ZoneZone VE (high risk)
APN00391220-000000

Property Details

APN / Parcel Number

Primary APN00391220-000000
Alternative APNs
  • 20643600391220000000
  • 1479543

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,214 sqft Living Area
1st Floor Area2,072 sqft
FlooringConcrete/Cement
Interior WallsPlaster

Exterior

Year BuiltBuilt 1977
Effective Year BuiltEffective 2010
Exterior MaterialBrick
Construction TypeConcrete Block
Foundation TypeConcrete
Roof TypeGeodesic/Dome
Roof MaterialConcrete
Lot Area11,520 sqft (0.265 acres)
View / LotWaterfront
Garage TypeCarport
Garage Area532 sqft
CarportCarport
Carport Area532 sqft
PorchOpen Porch
Porch Area895 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemFloor/Wall Furnace

Location & Zoning

Account Number1479543
Street Address442 PALM DR
CityISLAMORADA
StateFL
Zip33036-4210
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS-M
Legal DescriptionBK 3 LT 7 SAFETY HARBOR PB3-69 SEC 1 LOWER MATECUMBE KEY OR641-573 OR808-20 OR1011-683 OR2819-2499 OR2900-986 OR2900-988 OR2900-989 OR2900-990 OR3145-1473 OR3145-1475 OR3145-1477 OR3145-1479
Legal Range36E
Legal Township64S
Legal Section20
Legal SubdivisionSAFETY HARBOR SEC 1
Legal Block3
Legal Lot Number7
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group1
Census Block1018
Census Tract970900

Owner

442 Palm Dr is owned by two individuals who bought it in September 2025.

Source: Monroe County records, as of April 2, 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 Record2 Individual Names on File
Mailing Address4081 IBIS POINT CIR, BOCA RATON, FL 33431-5204
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Sep 16, 2025Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Dec 28, 2021Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Dec 28, 2021Personal Representative Deed, Transfer
CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO
Dec 28, 2021Quit Claim Deed, Transfer
CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO
Dec 28, 2021Quit Claim Deed, Transfer
CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO
Dec 28, 2021Intrafamily Transfer, Transfer
CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO
Apr 10, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY
Apr 10, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY
Apr 10, 2018Quit Claim Deed, Transfer
ATTORNEY
Apr 10, 2018Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 16, 2025 · Amount on File
Deed SaleSep 16, 2025 · Amount on File
Prior SaleDec 28, 2021 · Amount on File
Deed Document Number20252515421
Deed Book / Page3345 / 229
Record UpdatedOct 29, 2026

September 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateSep 16, 2025
Property Address442 PALM DR, ISLAMORADA, FL 33036-4210
Document Number0033450229
Book / Page3345 / 229
Map ReferenceMB 3 PG 69
Instrument DateSep 16, 2025
Instrument2515421
Transaction TypeTransfer
Record UpdatedOct 16, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$27,300.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address257 DUNBAR RD, PALM BEACH, FL 33480-3714

Transferred To (Grantee/Buyer)

NameVerified Name
Address4081 IBIS POINT CIR, BOCA RATON, FL 33431-5204

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateDec 28, 2021
Property Address442 PALM DR, ISLAMORADA, FL 33036-4210
Document Number0031451479
Book / Page3145 / 1479
Map ReferenceMB 3 PG 69
Instrument DateDec 27, 2021
Instrument2354484
Transaction TypeTransfer
Record UpdatedJan 18, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address10 CENTER ST, 10, RUMSON, NJ 07760-1713

Transferred To (Grantee/Buyer)

NameVerified Name
Address442 PALM DR, ISLAMORADA, FL 33036-4210

December 2021: Personal Representative Deed, Transfer

Document TypePersonal Representative Deed
JurisdictionMONROE FL
Recording DateDec 28, 2021
Property Address442 PALM DR, ISLAMORADA, FL 33036-4210
Document Number0031451471
Book / Page3145 / 1471
Map ReferenceMB 3 PG 69
Instrument DateDec 17, 2021
Instrument2354480
Transaction TypeTransfer
Record UpdatedJan 18, 2022
Title CompanyCORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Transaction

AmountAmount on Record
Tax$16,800.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2 BRIARWOOD LN, 2, UPTON, MA 01568-1100

Transferred To (Grantee/Buyer)

NameVerified Name
Address257 DUNBAR RD, PALM BEACH, FL 33480-3714

December 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateDec 28, 2021
Property Address442 PALM DR, ISLAMORADA, FL 33036-4210
Document Number0031451473
Book / Page3145 / 1473
Map ReferenceMB 3 PG 69
Instrument DateDec 17, 2021
Instrument2354481
Transaction TypeTransfer
Record UpdatedJan 18, 2022
Title CompanyCORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name
Address2 BRIANVOOD LANE, 2, UPTON, MA 01568

Transferred To (Grantee/Buyer)

NameVerified Name
Address257 DUNBAR RD, PALM BEACH, FL 33480-3714

December 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateDec 28, 2021
Property Address442 PALM DR, ISLAMORADA, FL 33036-4210
Document Number0031451477
Book / Page3145 / 1477
Map ReferenceMB 3 PG 69
Instrument DateDec 17, 2021
Instrument2354483
Transaction TypeTransfer
Record UpdatedJan 18, 2022
Title CompanyCORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name
Address14 PINE ST, 14, KEYPORT, NJ 07735-1715

Transferred To (Grantee/Buyer)

NameVerified Name
Address257 DUNBAR RD, PALM BEACH, FL 33480-3714

December 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateDec 28, 2021
Property Address442 PALM DR, ISLAMORADA, FL 33036-4210
Document Number0031451475
Book / Page3145 / 1475
Map ReferenceMB 3 PG 69
Instrument DateDec 17, 2021
Instrument2354482
Transaction TypeTransfer
Record UpdatedJan 18, 2022
Title CompanyCORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address50 CHRISTOPHER CT UNIT 4, 50, FREEHOLD, NJ 07728-3967

Transferred To (Grantee/Buyer)

NameVerified Name
Address257 DUNBAR RD, PALM BEACH, FL 33480-3714

April 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateApr 10, 2018
Property Address442 PALM DR, ISLAMORADA, FL 33036-4210
Document Number0029000988
Book / Page002900 / 000988
Instrument DateAug 25, 2017
Instrument2163562
Transaction TypeTransfer
Record UpdatedMay 22, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address10 CENTER ST RUMSON NJ 077601713, RUMSON, NJ 07760-1713

April 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateApr 10, 2018
Property Address442 PALM DR, ISLAMORADA, FL 33036-4210
Document Number0029000990
Book / Page002900 / 000990
Instrument DateAug 22, 2017
Instrument2163564
Transaction TypeTransfer
Record UpdatedMay 22, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address10 CENTER ST RUMSON NJ 077601713, RUMSON, NJ 07760-1713

April 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateApr 10, 2018
Property Address442 PALM DR, ISLAMORADA, FL 33036-4210
Document Number0029000989
Book / Page2900 / 0989
Map ReferenceMB3 PG69
Instrument DateAug 22, 2017
Instrument2163563
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyATTORNEY

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name
Address2 BRIARWOOD LN, 2, UPTON, MA 01568-1100

Transferred To (Grantee/Buyer)

NameVerified Name
Address10 CENTER ST, RUMSON, NJ 07760-1713

April 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMONROE FL
Recording DateApr 10, 2018
Property Address442 PALM DR, ISLAMORADA, FL 33036-4210
Document Number0029000986
Book / Page002900 / 000986
Instrument DateAug 17, 2017
Instrument2163561
Transaction TypeTransfer
Record UpdatedMay 22, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address10 CENTER ST RUMSON NJ 077601713, RUMSON, NJ 07760-1713

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$2,939,758 (+4.9%) Land $2,562,739 Building $377,019$2,939,758 (+4.9%) Land $2,562,739 Building $377,019
2024$23,142.00 (+4.64%)$2,802,353 (+2.65%) Land $2,458,138 Building $344,215$2,802,353 (+2.65%) Land $2,458,138 Building $344,215
2023$22,115.00 (+17.63%)$2,729,932 (+40.91%) Land $2,511,936 Building $217,996$2,729,932 (+40.91%) Land $2,511,936 Building $217,996
2022$18,800.00$1,937,353 Land $1,645,459 Building $291,894$1,937,353 Land $1,645,459 Building $291,894

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 442 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 ZoneZone VE
high risk · coastal, wave action
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
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

Wildfire risk around 442 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 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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