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

Monroe County property record for 178 Caribbean Dr E, Summerland Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,382 sqft · built 1987
Lot Size	0.138 acres (6,000 sqft)
Owner	Trust Name on File
Last Sale	$1,070,000 (Apr 2018)
Tax Bill	$11,921 (2024)
Deeds & Mortgages	Apr 2018 Sale
Flood Zone	Zone AE (high risk)
APN	`00193100-000000`

Property Details

APN / Parcel Number

Primary APN	`00193100-000000`
Alternative APNs	`35662800193100000000` `1254983`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,382 sqft Living Area
Gross Area	1,958 sqft
1st Floor Area	1,382 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Construction Type	Concrete 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
Garage Type	Attached
Garage Area	576 sqft

Exterior Amenities

Pool Area	160 sqft
Porch	Unfinished Open Porch
Porch Area	622 sqft
Deck Area	12 sqft
Patio Area	355 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1254983
Street Address	178 CARIBBEAN DR E
City	SUMMERLAND KEY
State	FL
Zip	33042-4810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 1 LT 43 SUMMERLAND KEY COVE ADDITION #6 PB5-41 SUMMERLAND KEY OR237-515 OR654-407 OR1002-444 OR1522-300 OR1990-1064 OR2210-905 OR2335-1798 OR2901-1495
Legal Range	28E
Legal Township	66S
Legal Section	35
Legal Subdivision	SUMMERLAND KEY COVE ADD #6
Legal Block	1
Legal Lot Number	43
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1039
Census Tract	971502

Owner

178 Caribbean Dr E is owner-occupied and held in a trust since April 2018.

Source: Monroe County records, as of March 19, 2026

Owner of Record	Trust Name on File
Mailing Address	178 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4810
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2018 · Amount on File
Deed Sale	Apr 17, 2018 · Amount on File
Prior Sale	May 22, 2006 · Amount on File
Deed Document Number	20182164633
Deed Book / Page	2901 / 1495
Prior Transfer Date	Sep 24, 2007
Prior Transfer Doc	0023351798
Record Updated	Jun 8, 2026

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 17, 2018
Property Address	178 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4810
Document Number	0029011495
Book / Page	002901 / 001495
Instrument Date	Apr 12, 2018
Instrument	2164633
Transaction Type	Transfer
Record Updated	May 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$7,490.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	178 CARIBBEAN DR E SUMMERLAND KEY FL 330424810, SUMMERLAND KEY, FL 33042-4810

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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		$1,695,211 Land $1,291,500 Building $403,711	$1,695,211 Land $1,291,500 Building $403,711
2024	$11,921.00 (+4.06%)
2023	$11,456.00 (+26.81%)	$1,681,206 (+60.81%) Land $1,303,500 Building $377,706	$1,681,206 (+60.81%) Land $1,303,500 Building $377,706
2022	$9,034.00	$1,045,452 Land $702,000 Building $343,452	$1,045,452 Land $702,000 Building $343,452

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

Flood

FEMA maps place 178 Caribbean Dr E in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

The area around 178 Caribbean Dr E has no burnable land within ember reach, so its wildfire risk is not rated.

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