118 Caribbean Dr E, Summerland Key, FL 33042 Property Records

Monroe County property record for 118 Caribbean Dr E, Summerland Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,532 sqft · built 1973
Lot Size	0.208 acres (9,100 sqft)
Owner	Individual Name on Record
Last Sale	$1,550,000 (May 2021)
Tax Bill	$16,619 (2024)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00193160-000000`

Property Details

APN / Parcel Number

Primary APN	`00193160-000000`
Alternative APNs	`35662800193160000000` `1255041`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,532 sqft Living Area
1st Floor Area	2,209 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2015
Exterior Material	Other
Construction Type	Wood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,100 sqft (0.208 acres)
Garage Area	455 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	2,243 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	1255041
Old Parcel Number	35662800193160000000
Street Address	118 CARIBBEAN DR E
City	SUMMERLAND KEY
State	FL
Zip	33042-4810
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1 LT 49 SUMMERLAND KEY COVE ADDITION NO 6 PB5-41 SUMMERLAND KEY OR512-918 OR1093-2227 OR1499-1359 OR1644-941 OR3096-1147
Legal Range	28E
Legal Township	66S
Legal Section	35
Legal Subdivision	SUMMERLAND KEY COVE ADD #6
Legal Block	1
Legal Lot Number	49
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1039
Census Tract	971502

Owner

Source: Monroe County records, as of December 5, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	310 BOOT RD, MALVERN, PA 19355-3314
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2021 · Amount on Record
Deed Sale	May 11, 2021 · Amount on Record
Prior Sale	Jul 19, 2000
Deed Document Number	2318838
Deed Book / Page	3096 / 1147
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 11, 2021
Property Address	118 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4810
Document Number	0030961147
Book / Page	3096 / 1147
Map Reference	MB 1499 PG 941
Instrument Date	May 7, 2021
Instrument	2318838
Transaction Type	Transfer
Record Updated	May 28, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	118 CARIBBEAN DR E, 118, SUMMERLAND KEY, FL 33042-4810

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	310 BOOT RD, MALVERN, PA 19355-3314

Mortgage

Document Number	30961151
Date	May 11, 2021
Instrument	3096/1151

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$2,195,415 (+1.51%) Land $1,538,588 Building $656,827	$2,195,415 (+1.51%) Land $1,538,588 Building $656,827
2024	$16,619.00 (+4.57%)
2023	$15,893.00 (+21.83%)	$2,162,826 (+49.26%) Land $1,552,883 Building $609,943	$2,162,826 (+49.26%) Land $1,552,883 Building $609,943
2022	$13,045.00	$1,449,052 Land $836,305 Building $612,747	$1,449,052 Land $836,305 Building $612,747

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

Flood

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	11.0 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	Hurricane Irma, Sep 2017 · 317 claims Hurricane Wilma, Oct 2005 · 192 claims Hurricane Georges, Sep 1998 · 295 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 100 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