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79901 Overseas Hwy, Islamorada, FL 33036-9620 · Monroe County, Florida
Records checked against state databases: October 12, 2026 · auto-refreshed weeklyAs of October 12, 2026, no Structural Integrity Reserve Study submission matching this building's name and county was found in DBPR's public SIRS reporting databases. This does not necessarily mean the association is non-compliant: SIRS is required only for buildings three stories or higher, filings may be listed under a different name, and new submissions appear daily. Check the official database or ask the association directly.
| Official condominium name | PALMS OF ISLAMORADO, A CONDO |
| DBPR project number | PR1S013092 |
| Declared units | 84 |
| First recorded | 12/28/1978 |
| Registration status | Approved Delinquent |
| Managing entity | PALMS OF ISLAMORADA |
As of October 12, 2026, we found no SIRS filing matching Palms of Islamorado in the Florida DBPR's public SIRS reporting database. That alone doesn't mean the association is out of compliance: a SIRS is required only for buildings three habitable stories or higher, and filings can be listed under a different name. Ask the association for its most recent SIRS; in a resale, the seller must provide it or a statement that none was completed.
FEMA's flood map places Palms of Islamorado in zone AE, a high-risk Special Flood Hazard Area, where lenders typically require flood insurance. The zone is matched to the building's mapped location; an elevation certificate or FEMA's Flood Map Service Center can confirm it for a specific unit.
The Florida condominium registry lists 84 declared units for Palms of Islamorado, first recorded on 12/28/1978.
Florida requires a milestone inspection of condominium buildings three habitable stories or more by December 31 of the year a building turns 30 (25 where the local building department requires it), then every 10 years. The condominium declaration for Palms of Islamorado was first recorded in 1978, so if its buildings are three or more stories they reached the 30-year mark around 2008. The building itself can be older, for example after an apartment conversion. The association must give owners the inspector's summary, and a seller must give it to a buyer.
The Florida DBPR registry lists Palms of Islamorada as the managing entity. Florida generally requires associations managing 25 or more units to post key documents, including budgets, financial reports, minutes and inspection reports, on a website or app.
Everything this page can't show you, in one PDF: five years of the association's state fee payments and whether the state lists it as delinquent, a plain-English bottom line with green flags and open questions, exactly who holds this building's milestone inspection records plus a ready-to-send records-request letter, and what it all means for a purchase, listing, or loan file — with a due-diligence checklist.
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All 23 Islamorada condos → · All Monroe County condominiums →
Guides: What is a SIRS? · Milestone inspections · Special assessments · Buying a condo in Florida