Monroe County property record for 1069 Ocean Dr, Summerland Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,552 sqft · built 2019 |
| Lot Size | 0.423 acres (18,420 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $240,000 (Feb 1989) |
| Tax Bill | $14,710 (2024) |
| Deeds & Mortgages | Feb 2024 Transfer Aug 2019 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00197270-000000 |
| Primary APN | 00197270-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 3,552 sqft Living Area |
| 1st Floor Area | 780 sqft |
| Basement Area | 390 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 18,420 sqft (0.423 acres) |
| Lot Dimensions | 307 ft deep x 60 ft wide |
| View / Lot | Waterfront |
| Garage Type | Covered |
| Garage Area | 483 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 910 sqft |
| Deck Area | 40 sqft |
| Patio Area | 80 sqft |
| Boat Access | Boat Access |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1258911 |
|---|---|
| Street Address | 1069 OCEAN DR |
| City | SUMMERLAND KEY |
| State | FL |
| Zip | 33042-4508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 1 LT 14 SUMMERLAND BCH ADDN NO 2 SUMMERLAND KEY PB3-21 OR504-191 OR820-2070 OR932-1881 OR970-1956 OR970-1956 OR1083-585 OR3262-0077 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 36 |
| Legal Subdivision | SUMMERLAND BEACH ADD NO 2 |
| Legal Block | 1 |
| Legal Lot Number | 14 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1050 |
| Census Tract | 971502 |
Source: Monroe County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 1069 OCEAN DR, SUMMERLAND KEY, FL 33042-4508 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Feb 9, 2024 | Intrafamily Transfer, Transfer |
| Aug 27, 2019 | Deed of Trust, Mortgage · ARM MORGAN STANLEY PRIVATE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 1989 · Amount on Record |
| Deed Sale | Feb 1, 1989 · Amount on Record |
| Prior Sale | Nov 1, 1980 · Amount on Record |
| Deed Book / Page | 1083 / 585 |
| Last Transfer Date | Feb 6, 2024 |
| Transfer Doc | 0032620077 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Feb 9, 2024 |
| Property Address | 1069 OCEAN DR, SUMMERLAND KEY, FL 33042-4508 |
| Document Number | 0032620077 |
| Book / Page | 3262 / 77 |
| Map Reference | MB 3 PG 21 |
| Instrument Date | Feb 6, 2024 |
| Instrument | 2450768 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1069 OCEAN DR, SUMMERLAND KEY, FL 33042-4508 |
| Name | Verified Name |
|---|---|
| Address | 1069 OCEAN DR, SUMMERLAND KEY, FL 33042-4508 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 1069 OCEAN DR, SUMMERLAND KEY, FL 33042-4508 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0029812441 |
|---|---|
| Date | Aug 27, 2019 |
| Book Page | 2981/2441 |
| Instrument | 2234355 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.65% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 3.65% |
| Index | 1-Year LIBOR |
| Max Rate | 3.65% |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,173,663 (+9.4%) Land $1,556,306 Building $617,357 | $2,173,663 (+9.4%) Land $1,556,306 Building $617,357 | |
| 2024 | $14,710.00 (+7.93%) | ||
| 2023 | $13,629.00 (+15.31%) | $1,986,898 (+25.78%) Land $1,415,393 Building $571,505 | $1,986,898 (+25.78%) Land $1,415,393 Building $571,505 |
| 2022 | $11,819.00 | $1,579,717 Land $1,002,048 Building $577,669 | $1,579,717 Land $1,002,048 Building $577,669 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 454 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 454 in force |
| Nearby Flood Claims | 828 (1998–2022) |
| Claims Outside the SFHA | 2 of 828 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 151 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
May also be available: T-Mobile.
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