96 Madeira Rd, Islamorada, FL 33036 Property Records

Monroe County property record for 96 Madeira Rd, Islamorada, FL 33036

Property Summary

Property Type	Restaurant
Details	3,973 sqft · built 2006
Lot Size	2.13 acres (92,897 sqft)
Owner	Company Name on File
Last Sale	$9,500,000 (Dec 2010)
Tax Bill	$55,874 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`00399370-000000`

Property Details

APN / Parcel Number

Primary APN	`00399370-000000`
Alternative APNs	`28633700399370000000` `1491764`

Interior

Units	4 Units
Stories	1 Story
Building Area	3,973 sqft Gross Area
1st Floor Area	3,973 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood Siding
Construction Type	Wood
Fire Resistance	Fireproof Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	92,897 sqft (2.13 acres)
View / Lot	Waterfront

Exterior Amenities

Porch	Open Porch
Porch Area	8,464 sqft
Patio Area	2,151 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	1491764
Street Address	96 MADEIRA RD
City	ISLAMORADA
State	FL
Zip	33036-3617
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	MU
Legal Description	BLK 3 LTS 5 THRU 9 AND BLK 4 WLY 217 FT LOT 1 AND PT OF LOTS 1, 2, 3 AND 4 LYING NWLY OF BASIN AND PT OF BAY BTM NWLY OF AND ADJACENT TO LOTS 1 THRU 4 BLK 4 (KNOWN AS LORELEI RESORT LESS ISLAMORADA YACHT BASIN CONDOMINIUM) AND BLK 5 LT 1 STRATTONS SU
Legal Range	37E
Legal Township	63S
Legal Section	28
Legal Subdivision	STRATTONS SUBD
Legal Block	3,4
Legal Lot Number	1-9
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3005
Census Tract	970900

Owner

96 Madeira Rd, a commercial property, is owned by a company that bought it in December 2010.

Source: Monroe County records, as of August 14, 2026

Owner of Record	Company Name on File
Mailing Address	195 N AIRPORT RD, TAVERNIER, FL 33070-2411
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2010 · Amount on File
Deed Sale	Dec 28, 2010 · Amount on File
Prior Sale	Aug 9, 2005 · Amount on File
Deed Document Number	20101818377
Deed Book / Page	2498 / 553
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	96 MADEIRA RD, ISLAMORADA, FL 33036-3617
Transaction Type	Mortgage
Record Updated	Dec 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032032035
Date	Dec 6, 2022
Book Page	3203/2035
Instrument	2399565

Lender

Name	FIRST STATE BANK OF THE FLORIDA KEYS
Type	Bank
Address	KEY WEST, FL 33041

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 5, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 96 Madeira Rd was $55,874, up 12.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$55,874.00 (+12.29%)	$6,664,916 Land $5,904,690 Building $760,226	$6,664,916 Land $5,904,690 Building $760,226
2024	$49,758.00 (+3.21%)
2023	$48,210.00 (+3.88%)	$5,451,261 (-0.25%) Land $4,741,007 Building $710,254	$5,451,261 (-0.25%) Land $4,741,007 Building $710,254
2022	$46,409.00	$5,465,044 Land $4,741,007 Building $724,037	$5,465,044 Land $4,741,007 Building $724,037

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

Flood

FEMA maps place 96 Madeira Rd in Zone AE, a high-risk 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 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 File median of 329 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	457 units insured incl. 128 condo units
Nearby Flood Claims	126 (2005–2022)
Claims Outside the SFHA	4 of 126
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 85 claims Hurricane Katrina Evacuation, Sep 2005 · 24 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 96 Madeira Rd is low, with less than 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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