Monroe County property record for 458 Palm Dr, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,544 sqft · built 1981 |
| Lot Size | 0.264 acres (11,510 sqft) |
| Owner | Company Name on File |
| Last Sale | $425,000 (Mar 1997) |
| Tax Bill | $24,305 (2025) |
| Flood Zone | Zone VE (high risk) |
| APN | 00391180-000000 |
| Primary APN | 00391180-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,544 sqft Living Area |
| 1st Floor Area | 2,124 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Pile |
| Roof Type | Geodesic/Dome |
| Roof Material | Concrete |
| Lot Area | 11,510 sqft (0.264 acres) |
| View / Lot | Waterfront |
| Garage Type | Covered |
| Garage Area | 180 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 861 sqft |
| Patio Area | 2,372 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1479501 |
|---|---|
| Street Address | 458 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 3 SAFETY HARBOR SEC 1 PB3-69 LOWER MATECUMBE KEY OR47-181/183 OR77-450 OR543-970 OR950-484 OR997-2415/2416 OR1198-795 OR1287-439/40M/T OR1446-2314 OR1446-2315/16AFF OR1446-2317/26TR |
| Legal Range | 36E |
| Legal Township | 64S |
| Legal Section | 20 |
| Legal Subdivision | SAFETY HARBOR SEC 1 |
| Legal Block | 3 |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 970900 |
458 Palm Dr is owned by a company that bought it in March 1997.
Source: Monroe County records, as of May 4, 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 Record | Company Name on File |
|---|---|
| Mailing Address | 21426 COTTAGE PL, PIERRE, SD 57501-6512 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 12, 1997 · Amount on File |
| Deed Sale | Mar 12, 1997 · Amount on File |
| Prior Sale | Feb 1, 1973 · Amount on File |
| Deed Book / Page | 1446 / 2314 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 458 Palm Dr was $24,305, up 6.7% from the year before.
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 | $24,305.00 (+6.69%) | $2,955,033 Land $2,560,515 Building $394,518 | $2,955,033 Land $2,560,515 Building $394,518 |
| 2024 | $22,780.00 (+4.31%) | ||
| 2023 | $21,838.00 (+18.65%) | $2,887,919 (+42.2%) Land $2,509,756 Building $378,163 | $2,887,919 (+42.2%) Land $2,509,756 Building $378,163 |
| 2022 | $18,406.00 | $2,030,827 Land $1,644,031 Building $386,796 | $2,030,827 Land $1,644,031 Building $386,796 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 458 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.
The area around 458 Palm Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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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