$630,000
SOLD JUL 18, 2025

110 Knowles St Islamorada, FL 33036

3 Beds
2 Baths
2,016 Sq Ft
8,747 Sq Ft Lot

Recently Sold

$312 Per Sq Ft

34% Below List Price

247 Days on Market

Highlights

  • Wood Flooring
  • Granite Countertops
  • Balcony
  • Plantation Key School Rated A-
  • No HOA
  • 1-minute walk to Founders Park

About This Home

As of July 2025

This lovely home is classic Keys on the outside, with modern elegance on the inside. Secluded on high ground in the heart of downtown Islamorada, this accommodating three-bedroom, two-bath residence offers abundant space for relaxation and entertainment, including an inviting back porch, surrounded by lush landscaping that enhances the serene atmosphere. The expansive front and back yards provide ample room for outdoor activities and gatherings. Ideally situated, you are within easy walking distance to the beaches, great restaurants, and grocery shopping. Experience the perfect blend of comfort and convenience in this idyllic retreat.

Last Agent to Sell the Property

Lara Rutskin

Coldwell Banker Schmitt Real Estate Co. License #3228642 Listed on: 10/10/2024

Coldwell Banker Schmitt Real Estate Co.

Last Buyer's Agent

Lara Rutskin

Coldwell Banker Schmitt Real Estate Co. License #3228642 Listed on: 10/10/2024

Coldwell Banker Schmitt Real Estate Co.

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $5,805

Year Built

  • Built in 1958 | Remodeled

Lot Details

  • 8,747 Sq Ft Lot
  • Property is zoned R1 - Residential Single Family

Home Design

  • Frame Construction
  • Tar and Gravel Roof

Interior Spaces

  • 2,016 Sq Ft Home
  • Ceiling Fan
  • Shutters

Kitchen

  • Oven
  • Range
  • Microwave
  • Freezer
  • Dishwasher
  • Granite Countertops
  • Built-In or Custom Kitchen Cabinets
  • Disposal

Flooring

  • Wood
  • Laminate
  • Tile
  • Terrazzo

Bedrooms and Bathrooms

  • 3 Bedrooms
  • 2 Full Bathrooms

Laundry

  • Laundry Room
  • Dryer
  • Washer

Home Security

  • Complete Accordion Shutters
  • Impact Glass

Parking

  • 3 Parking Spaces
  • Off-Street Parking

Outdoor Features

  • Balcony
  • Patio
  • Outdoor Storage

Location

  • Ground Level

Utilities

  • Central Air
  • Cooling System Mounted To A Wall/Window
  • Public Hookup Available For Sewer

Community Details

  • No Home Owners Association
  • Coral View Subdivision
  • Rental Restrictions

Listing and Financial Details

  • Minimum Rental Period: 28
  • Assessor Parcel Number 00403000-000000

Home Details

Home Type

Single Family

Est. Annual Taxes

$5,805

Year Built

Built in 1958 | Remodeled

Lot Details

0

Listing Details

  • Property Type: Residential
  • Style: Single Family
  • As Is Right To Inspect: Yes
  • First Right of Refusal: No
  • Mandatory HOA: No
  • Fee Includes: None
  • Key Island: Upper Matecumbe Key Islamorada
  • Limited Representation: No
  • Marathon Neighborhood: N/A
  • Mile Marker: 81.00
  • Min Rental Days: 28.00
  • M L S Identifier: 20060123165453488875000000
  • Off Shore Island: No
  • Pets: Pets Allowed
  • Property Group I D: 19990816212109142258000000
  • Sale Terms: Cash
  • Side: Bay/Gulf
  • State Province: FL
  • Taxes: 5804.51
  • Vehicle Storage: Off Street Parking
  • Vehicle Storage Cars: 3
  • Year Built: 1958
  • Alternate Key Number: 1495328
  • Building Style: Ground Level
  • Cooling Heating: Central Air, Ceiling Fans(s), Wall/Window Unit(s)
  • Lot Sq Ft: 8747.00
  • Porch Balcony: Open Porch/Balcony, Patio
  • Shutters: Accordion, Clam Shell
  • Species List: No
  • Tax Exemptions: None
  • Building Style Above Flood: Unknown
  • Estimated Living Sq Ft: 2016.00
  • Financial Status Standard Sale: Yes
  • Property Condition: Updated/Remodeled
  • Sewer Hook Up: Yes
  • Statistical Purposes Only: No
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Interior Amenities: Built-in Cabinets, Dade County Pine, Granite Counter Top
  • Total Bathrooms: 2.00
  • Full Bathrooms: 2
  • Appliances: Washer, Freezer, Disposal, Microwave, Oven, Range, Refrigerator, Dishwasher, Dryer
  • Floor: Tile, Laminate, Terrazzo, Wood
  • Specialty Rooms: Laundry Room
  • Windows/Doors: Aluminum Windows, Impact Rstnce Window
  • Total Bedrooms: 3

Exterior Features

  • Dockage: None
  • Waterfront: None
  • Waterfront: No
  • Construction: Frame
  • Exterior Features: Storage
  • Roof: Tar/Gravel Roof
  • Waterview: No Waterview
  • Pool: No

Utilities

  • Utilities: FKAA, Municipal Sewer

Lot Info

  • Deed Restrictions: Unknown
  • Flood Zone: AE
  • Parcel Number: 00403000-000000
  • Land Size: Less Than 1/4 Acre
  • Acres: 0.20

Rental Info

  • Rentals Allowed: With Restrictions
  • Furnished: Unfurnished

Tax Info

  • Tax Year: 2023

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Oct 10, 2024
Closed on
Jul 18, 2025
Sold by
Phillips Joseph E and Hart Amy Laurie
Bought by
Cummins Michael J and Cummins Catherine J
Seller's Agent
Lara Rutskin
Coldwell Banker Schmitt Real Estate Co.
Buyer's Agent
Lara Rutskin
Coldwell Banker Schmitt Real Estate Co.
List Price
$950,000
Sold Price
$630,000
Premium/Discount to List
-$320,000
-33.68%
Views
172
Current Estimated Value
$645,929

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$15,929
Avg. Annual Appreciation
5.71%

Purchase Details

Listed on
Jun 14, 2019
Closed on
Mar 6, 2020
Sold by
Phillips Flora W
Bought by
Phillips Flora W
Seller's Agent
Vanessa J Chamizo
Coldwell Banker Schmitt Islamorada
Buyer's Agent
Lara Rutskin
Coldwell Banker Schmitt Real Estate Co.
List Price
$514,900
Sold Price
$375,000
Premium/Discount to List
-$139,900
-27.17%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
9.87%

Purchase Details

Listed on
Jun 14, 2019
Closed on
Jan 16, 2020
Sold by
Calderwood Christopher M and Calderwood Martha J
Bought by
Phillips Flora W
Seller's Agent
Vanessa J Chamizo
Coldwell Banker Schmitt Islamorada
Buyer's Agent
Lara Rutskin
Coldwell Banker Schmitt Real Estate Co.
List Price
$514,900
Sold Price
$375,000
Premium/Discount to List
-$139,900
-27.17%

Purchase Details

Closed on
Dec 19, 2008
Sold by
Scoble Bonnie J
Bought by
Calderwood Christopher M and Calderwood Martha J

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$184,000
Interest Rate
5.96%
Mortgage Type
Purchase Money Mortgage

Purchase Details

Closed on
May 20, 1998
Sold by
Scoble Charles T
Bought by
Scoble Bonnie J

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$87,000
Interest Rate
7.04%
Mortgage Type
New Conventional

Purchase Details

Closed on
Dec 28, 1994
Sold by
Gooravin Richard and Gooravin Dorothy M
Bought by
Scoble Bonnie J and Scoble Charles T

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$60,000
Interest Rate
9.17%
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Average Value
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $630,000 None Listed On Document
Warranty Deed -- None Listed On Document
Warranty Deed $375,000 None Listed On Document
Warranty Deed $230,000 Island Acquisition Title Co
Quit Claim Deed $100 --
Warranty Deed $95,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $184,000 Purchase Money Mortgage
Previous Owner $75,000 Credit Line Revolving
Previous Owner $87,000 New Conventional
Previous Owner $60,000 No Value Available
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
07/18/2025 07/18/25 Sold $630,000 -3.1% $313 / Sq Ft
06/14/2025 06/14/25 Pending -- -- --
05/31/2025 05/31/25 Price Changed $650,000 -7.1% $322 / Sq Ft
04/14/2025 04/14/25 Price Changed $700,000 -6.5% $347 / Sq Ft
03/11/2025 03/11/25 Price Changed $749,000 -6.3% $372 / Sq Ft
02/06/2025 02/06/25 Price Changed $799,000 -7.0% $396 / Sq Ft
01/26/2025 01/26/25 Price Changed $859,000 -4.4% $426 / Sq Ft
01/04/2025 01/04/25 Price Changed $899,000 -3.3% $446 / Sq Ft
12/05/2024 12/05/24 Price Changed $930,000 -2.1% $461 / Sq Ft
10/10/2024 10/10/24 For Sale $950,000 +153.3% $471 / Sq Ft
01/16/2020 01/16/20 Sold $375,000 -6.0% $187 / Sq Ft View Prior Sale
12/30/2019 12/30/19 Pending -- -- --
12/09/2019 12/09/19 Price Changed $399,000 -11.1% $199 / Sq Ft
11/10/2019 11/10/19 Price Changed $449,000 -12.8% $224 / Sq Ft
06/14/2019 06/14/19 For Sale $514,900 -- $256 / Sq Ft
Source: Marathon and Lower Keys Association of REALTORS®

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $6,059 $724,165 $492,347 $231,818
2024 $5,805 $687,815 $458,168 $229,647
2023 $5,805 $660,201 $445,441 $214,760
2022 $5,147 $507,493 $289,537 $217,956
2021 $4,676 $382,100 $190,903 $191,197
2020 $2,827 $230,409 $0 $0
2019 $2,811 $225,229 $0 $0
2018 $2,735 $221,030 $0 $0
2017 $2,639 $216,484 $0 $0
2016 $2,697 $212,032 $0 $0
2015 $2,648 $210,558 $0 $0
2014 $2,626 $208,887 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • L

    Seller's Agent in 2025

    Lara Rutskin

    Coldwell Banker Schmitt Real Estate Co.

    (305) 240-4905

    1 in this area

    32 Total Sales

    Lara Rutskin
    Section Image
  • Vanessa J Chamizo

    Seller's Agent in 2020

    Vanessa J Chamizo

    Coldwell Banker Schmitt Islamorada

    (786) 302-8007

    14 in this area

    49 Total Sales

    Vanessa J Chamizo
    Section Image
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Map

Source: Marathon and Lower Keys Association of REALTORS®

MLS Number: 611785

APN: 00403000-000000

Florida Monroe County Islamorada 33036

110 Knowles St, Islamorada, FL

Sold

Detached

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