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Single Family ResidenceResidential
$590,919$555 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 74How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $245,000 on Jun 19, 2012

186 E RIDGE RD

ISLAMORADA, FL 33036
3
Beds
3
Baths
1,064 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.16 ac
Lot SizeThe size of the land the home sits on, from county records.
1968
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$591K
$434K low$747K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$245,000 · Jun 19, 2012
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$340,919
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$272,735
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.42%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$250,000
TD BANK NA · recorded Mar 14, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,439 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$322,117 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$313,039
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$741,147

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.53 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.100%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMonroe
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2003
Lot (acres)The size of the land the home sits on, from county records.0.16
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Pile
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.None
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.Public/Municipal/Commercial
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 256 ft²

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(1)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Plantation Key SchoolA+
Elementary · Grades PK–8 · 3.1 mi
H
Coral Shores High SchoolC+
High · Grades 9–12 · 3.4 mi

District: Monroe County School District

Neighborhood · ZIP 33036These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.124
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.10

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.55%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.22%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.6%
PopulationHow many people live in this area.4,102
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.75 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$101,955
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$130,240
Average tempThe average temperature here across a full year.77°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.76%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

186 E Ridge Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 88% of homes in Islamorada 33036
  • Costs less per square foot than 83% of homes in Islamorada 33036
  • Smaller than 86% of homes in Islamorada 33036
  • Has a smaller lot than 75% of homes in Islamorada 33036
  • Older than 84% of homes in Islamorada 33036

What homes are worth in Islamorada 33036

Each bar is how many homes fall in that price range. The marker is this home.

This home
$370K$6.2M

This home is worth more than 12% of homes in Islamorada 33036.

How it measures up in Islamorada 33036

The dot is this home. The mark in the middle is the typical home in Islamorada 33036.

Estimated value$590,919
CheaperTypical $1,553,380Pricier

Pricier than 12% of homes nearby

Price per ft²$555
CheaperTypical $885Pricier

Pricier than 17% of homes nearby

Living area1,064 ft²
SmallerTypical 1,580 ft²Bigger

Bigger than 14% of homes nearby

Lot size0.16 ac
SmallerTypical 0.25 acBigger

Bigger than 25% of homes nearby

Year built1968
OlderTypical 1982Newer

Newer than 16% of homes nearby

How 186 E Ridge Rd ranks against every home in each area.
MeasureThis homeIslamorada 33036Monroe County
Estimated valuepricier than$590,91912% of homes15% of homes
Price per ft²pricier than$55517% of homes23% of homes
Living areabigger than1,064 ft²14% of homes29% of homes
Lot sizebigger than0.16 ac25% of homes50% of homes
Year builtnewer than196816% of homes22% of homes

About 186 E Ridge Rd

How much is 186 E Ridge Rd, Islamorada, FL worth?

The TopHap Estimate for 186 E Ridge Rd, Islamorada, FL is $590,919 as of Jul 14, 2026. The likely range is $434,456 to $747,382. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 186 E Ridge Rd, Islamorada, FL last sell?

186 E Ridge Rd, Islamorada, FL last sold on Jun 19, 2012 for $245,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 186 E Ridge Rd, Islamorada, FL?

186 E Ridge Rd, Islamorada, FL has 3 bedrooms, 3 bathrooms, 1,064 square feet of living space and a 0.16-acre lot.

When was 186 E Ridge Rd, Islamorada, FL built?

186 E Ridge Rd, Islamorada, FL was built in 1968, making it 58 years old. The building has 2 stories.

What schools serve 186 E Ridge Rd, Islamorada, FL?

186 E Ridge Rd, Islamorada, FL is assigned to Plantation Key School (elementary), rated A+; Coral Shores High School (high), rated C+. All sit in Monroe County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 186 E Ridge Rd, Islamorada, FL compare to other homes in Islamorada 33036?

Among the 3,122 homes in Islamorada 33036, it is worth more than 12% of them ($590,919 against a typical $1,553,380), its price per square foot is higher than 17% of them ($555 against a typical $885), it is bigger than 14% of them (1,064 ft² against a typical 1,580 ft²), its lot is bigger than 25% of them (0.16 ac against a typical 0.25 ac) and it is newer than 16% of them (1968 against a typical 1982). Measured against all of Monroe County, it is worth more than 15% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 186 E Ridge Rd, Islamorada, FL?

The 2024 property tax bill for 186 E Ridge Rd, Islamorada, FL was $3,439. The county assessed it at $322,117.

Closest homes

More homes in Islamorada 33036

Assigned schools

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