Monroe County property record for 127 Caribbean Dr E, Summerland Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,160 sqft · built 1977 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $435,000 (Jul 2019) |
| Tax Bill | $7,857 (2024) |
| Deeds & Mortgages | Apr 2026 Line of Credit Apr 2026 Line of Credit + 4 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00193660-000000 |
| Primary APN | 00193660-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,160 sqft Living Area |
| 1st Floor Area | 2,160 sqft |
| Attic | Attic |
| Attic Area | 184 sqft |
| Basement Area | 1,080 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| View / Lot | Canal |
| Garage Type | Carport |
| Garage Area | 184 sqft |
| Carport | Carport |
| Carport Area | 184 sqft |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 856 sqft |
| Deck Area | 440 sqft |
| Patio Area | 720 sqft |
| Boat Access | Boat Access |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1255548 |
|---|---|
| Street Address | 127 CARIBBEAN DR E |
| City | SUMMERLAND KEY |
| State | FL |
| Zip | 33042-4848 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 2 LT 50 SUMMERLAND KEY COVE ADDITION #6 PB5-41 SUMMERLAND KEY OR237-515 OR722-693 OR865-1790 OR2975-0486 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 35 |
| Legal Subdivision | SUMMERLAND KEY COVE ADD #6 |
| Legal Block | 2 |
| Legal Lot Number | 50 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 971502 |
Source: Monroe County records, as of May 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 127 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4848 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 20, 2026 | Deed of Trust · Line of Credit CDC FINANCIAL GROUP INC |
| Apr 20, 2026 | Deed of Trust, Mortgage · Line of Credit CDC FINANCIAL GROUP INC |
| Feb 26, 2026 | Deed of Trust, Mortgage · Conventional Mortgage HOMEXPRESS MORTGAGE CORP |
| Nov 10, 2025 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Aug 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GASTON RENTAL PROPERTIES LLC |
| Jul 16, 2019 | Warranty Deed, Transfer · Conventional with PMI KONRAD W & BARBARA L PAULIG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 16, 2019 · Amount on Record |
| Deed Sale | Jul 16, 2019 · Amount on Record |
| Prior Sale | Jul 1, 1982 · Amount on Record |
| Deed Document Number | 20192228772 |
| Deed Book / Page | 2975 / 486 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 20, 2026 |
| Property Address | 127 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4848 |
| Document Number | 0002540159 |
| Book / Page | 3376 / 2127 |
| Instrument Date | Apr 13, 2026 |
| Instrument | 2026.2540159 |
| Record Updated | Apr 30, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE |
| Name | Verified Name |
|---|---|
| Address | 127 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4848 |
| Document Number | 0002540159, |
|---|---|
| Date | Apr 20, 2026 |
| Book Page | 3376/2127 |
| Instrument | 2026.2540159 |
| Name | CDC FINANCIAL GROUP INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 8, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 20, 2026 |
| Property Address | 127 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4848 |
| Document Number | 0033762127 |
| Book / Page | 3376 / 2127 |
| Instrument Date | Apr 13, 2026 |
| Instrument | 20262540159 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 127 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4848 |
| Document Number | 0002540159, |
|---|---|
| Date | Apr 20, 2026 |
| Book Page | 3376/2127 |
| Instrument | 20262540159 |
| Name | CDC FINANCIAL GROUP INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 8, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 127 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4848 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 127 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4848 |
| Document Number | 0033681039 |
|---|---|
| Date | Feb 26, 2026 |
| Book Page | 3368/1039 |
| Instrument | 2533850 |
| Name | HOMEXPRESS MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ANA, CA 92705 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 127 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4848 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2025 |
| Name | Verified Name |
|---|---|
| Address | 127 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4848 |
| Document Number | 0033530044 |
|---|---|
| Date | Nov 10, 2025 |
| Book Page | 3353/44 |
| Instrument | 2521648 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 17, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 127 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4848 |
| Document Number | 0030440679 |
| Instrument Date | Aug 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 127 CARIBBEAN DR E SUMMERLAND KEY FL 330424848, SUMMERLAND KEY, FL 33042-4848 |
| Document Number | 0030440679 |
|---|---|
| Date | Sep 15, 2020 |
| Book Page | 003044/000679 |
| Instrument | 2281783 |
| Name | GASTON RENTAL PROPERTIES LLC |
|---|---|
| Address | 805 TOSTENABE LN, NORTH MUSKEGON, MI 49445-2970 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 14, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 16, 2019 |
| Property Address | 127 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4848 |
| Document Number | 0029750486 |
| Book / Page | 002975 / 000486 |
| Instrument Date | Jun 11, 2019 |
| Instrument | 2228772 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2019 |
| Title Company | TRUE TITLE, TRUETITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,045.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 28508 CHANNEL VIEW DR LITTLE TORCH KEY FL 330423173, LITTLE TORCH KEY, FL 33042-3173 |
| Document Number | 29750488 |
|---|---|
| Date | Jul 16, 2019 |
| Book Page | 002975/000488 |
| Instrument | 2228773 |
| Name | KONRAD W & BARBARA L PAULIG |
|---|---|
| Address | 127 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4848 |
| Special Notes | Seller Financed |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jul 15, 2024 |
| Rate | 18% |
|---|
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 | $794,251 (-2.12%) | $878,547 (+8.27%) Land $660,000 Building $218,547 | |
| 2024 | $7,857.00 (+13.94%) | ||
| 2023 | $6,896.00 (+10.83%) | $811,471 (+20.56%) Land $606,000 Building $205,471 | $811,471 (+20.56%) Land $606,000 Building $205,471 |
| 2022 | $6,222.00 | $673,103 Land $468,000 Building $205,103 | $673,103 Land $468,000 Building $205,103 |
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 98% of the US · lower than 97.6% 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 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 |
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