Monroe County property record for 446 Palm Dr, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 6,376 sqft · built 1978 |
| Lot Size | 0.257 acres (11,190 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,478,571 (Dec 2014) |
| Tax Bill | $25,189 (2024) |
| Deeds & Mortgages | Oct 2021 Mortgage Nov 2021 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 00391210-000000 |
| Primary APN | 00391210-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 3 Stories |
| Building Area | 6,376 sqft Living Area |
| Gross Area | 6,658 sqft |
| 1st Floor Area | 2,080 sqft |
| Attic | Attic |
| Attic Area | 450 sqft |
| Basement Area | 720 sqft |
| Flooring | Marble |
| Interior Walls | Wood |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 11,190 sqft (0.257 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 282 sqft |
| Porch | Florida Room |
| Porch Area | 1,944 sqft |
| Patio Area | 532 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1479535 |
|---|---|
| Street Address | 446 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 6 SAFETY HARBOR PB 3-69 SEC-1 LOWER MATECUMBE KEY OR36-28 OR262-92 OR745-179 OR790-199 OR1433-45 OR2167-1056 OR2716-325 OR3138-0073 |
| Legal Range | 36E |
| Legal Township | 64S |
| Legal Section | 20 |
| Legal Subdivision | SAFETY HARBOR SEC 1 |
| Legal Block | 3 |
| Legal Lot Number | 6 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 970900 |
Source: Monroe County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 446 PALM DR, ISLAMORADA, FL 33036-4210 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Oct 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Nov 17, 2021 | Intrafamily Transfer, Transfer ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 12, 2014 · Amount on Record |
| Deed Sale | Dec 12, 2014 · Amount on Record |
| Prior Sale | Dec 3, 1996 · Amount on Record |
| Deed Document Number | 20142008646 |
| Deed Book / Page | 2716 / 325 |
| Last Transfer Date | Oct 8, 2021 |
| Transfer Doc | 0031380073 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 446 PALM DR, ISLAMORADA, FL 33036-4210 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2024 |
| Name | Verified Name |
|---|---|
| Address | 446 PALM DR, ISLAMORADA, FL 33036-4210 |
| Document Number | 0031311890 |
|---|---|
| Date | Oct 14, 2021 |
| Book Page | 3131/1890 |
| Instrument | 2344195 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 17, 2021 |
| Property Address | 446 PALM DR, ISLAMORADA, FL 33036-4210 |
| Document Number | 0031380073 |
| Book / Page | 3138 / 73 |
| Map Reference | MB 3 PG 69 |
| Instrument Date | Oct 8, 2021 |
| Instrument | 2348986 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 446 PALM DR, ISLAMORADA, FL 33036-4210 |
Source: Monroe County assessment roll, as of December 8, 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 | $2,904,328 (+5.99%) | $4,378,910 (+2.41%) Land $2,540,130 Building $1,838,780 | |
| 2024 | $25,189.00 (+0.68%) | ||
| 2023 | $25,018.00 (+1.97%) Homeowner's exemption | $2,740,269 (+3%) | $4,275,911 (+25.38%) Land $2,489,775 Building $1,786,136 |
| 2022 | $24,534.00 Homeowner's exemption | $2,660,456 | $3,410,471 Land $1,630,943 Building $1,779,528 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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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