Monroe County property record for 231 E Shore Dr, Summerland Key, FL 33042
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 3.34 acres (145,700 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $4,330,000 (Jul 2026) |
| Tax Bill | $18,320 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Jul 2026 Sale & Mortgage + 9 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00200610-000000 |
| Primary APN | 00200610-000000 |
|---|---|
| Alternative APNs |
|
| Effective Year Built | Effective 2002 |
|---|---|
| Lot Area | 145,700 sqft (3.34 acres) |
| View / Lot | Waterfront |
| Boat Access | Boat Access |
| Account Number | 1263915 |
|---|---|
| Street Address | 231 E SHORE DR |
| City | SUMMERLAND KEY |
| State | FL |
| Zip | 33042 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | SR |
| Legal Description | LT 17 SUMMERLAND ESTATES SUMMERLAND KEY PB2-167 OR365-904 OR367-388 OR774-400 OR774-1530 OR2018-597 OR2071-1193 OR2071-1199 OR2071-1205 OR2071-1211 OR2071-1217 OR2158-1102 OR2324-183 OR2324-188 OR2693-610 OR2719-462 OR3115-1139 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 36 |
| Legal Subdivision | SUMMERLAND ESTATES |
| Legal Lot Number | 17 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 971502 |
231 E Shore Dr, residential vacant land, is owned by two individuals who bought it in July 2026.
Source: Monroe County records, as of September 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 231 E SHORE DR, 5, SUMMERLAND KEY, FL 33042 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 8, 2026 | Deed of Trust, Mortgage · Line of Credit KEMP FINANCIAL LLC |
| Jul 8, 2026 | Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC |
| May 29, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Mar 12, 2026 | Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Mar 12, 2024 | Deed of Trust, Mortgage · Commercial Mortgage CENTER STREET LENDING VIII SPE LLC |
| Mar 12, 2024 | Deed of Trust, Mortgage · Commercial Mortgage CENTER STREET LENDING VIII SPE LLC |
| Mar 12, 2024 | Deed of Trust, Mortgage · Commercial Mortgage CENTER STREET LENDING VIII SPE LLC |
| Mar 12, 2024 | Deed of Trust, Mortgage · Commercial Mortgage CENTER STREET LENDING VIII SPE LLC |
| Mar 12, 2024 | Deed of Trust, Mortgage · Commercial Mortgage CENTER STREET LENDING VIII SPE LLC |
| Mar 12, 2024 | Deed of Trust, Mortgage · Commercial Mortgage CENTER STREET LENDING VIII SPE LLC |
| Jul 27, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2026 · Amount on File |
| Deed Sale | Jul 8, 2026 · Amount on File |
| Prior Sale | May 29, 2026 · Amount on File |
| Deed Document Number | 20262550864 |
| Deed Book / Page | 3391 / 16 |
| Prior Transfer Date | Aug 30, 2004 |
| Prior Transfer Doc | 0001487503 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 8, 2026 |
| Property Address | 231 E SHORE DR, SUMMERLAND KEY, FL 33042 |
| Document Number | 0002559731 |
| Book / Page | 3401 / 1138 |
| Instrument Date | Aug 31, 2026 |
| Instrument | 20262559731 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 8970 SW 8TH ST, PLANTATION, FL 33324-3720 |
| Document Number | 0002559731, |
|---|---|
| Date | Sep 8, 2026 |
| Book Page | 3401/1138 |
| Instrument | 20262559731 |
| Name | KEMP FINANCIAL LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 24 Months |
| Due | Sep 1, 2028 |
| Rate Type | Balloon |
|---|---|
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 8, 2026 |
| Property Address | 231 E SHORE DR, SUMMERLAND KEY, FL 33042 |
| Document Number | 0002550864 |
| Book / Page | 3391 / 16 |
| Instrument Date | Jul 6, 2026 |
| Instrument | 20262550864 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,061,310.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0002550865, |
|---|---|
| Date | Jul 8, 2026 |
| Book Page | 3391/18 |
| Instrument | 20262550865 |
| Name | CHANGE LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 29, 2026 |
| Property Address | 231 E SHORE DR, SUMMERLAND KEY, FL 33042 |
| Document Number | 0002545344 |
| Book / Page | 3383 / 964 |
| Instrument Date | May 27, 2026 |
| Instrument | 20262545344 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $3,057,775.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 79 TULIPWOOD DR, COMMACK, NY 11725-5624 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 12, 2026 |
| Property Address | 231 E SHORE DR, SUMMERLAND KEY, FL 33042 |
| Document Number | 0033701613 |
| Book / Page | 3370 / 1613 |
| Map Reference | MB 2 PG 167 |
| Instrument Date | Mar 4, 2026 |
| Instrument | 2535512 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $29,925.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8970 SW 8TH ST, PLANTATION, FL 33324-3720 |
| Name | Verified Name |
|---|---|
| Address | 2621 HAWTHORN DR, EAGLEVILLE, PA 19403-1496 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 231 E SHORE DR, SUMMERLAND KEY, FL 33042 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2760 RIVERSIDE DR, WANTAGH, NY 11793-4624 |
| Document Number | 0032660888 |
|---|---|
| Date | Mar 12, 2024 |
| Book Page | 3266/888 |
| Instrument | 2454144 |
| Name | CENTER STREET LENDING VIII SPE LLC |
|---|---|
| Address | 18301 VON KARMAN AVE STE 330, IRVINE, CA 92612 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 231 E SHORE DR, SUMMERLAND KEY, FL 33042 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2760 RIVERSIDE DR, WANTAGH, NY 11793-4624 |
| Document Number | 0032660941 |
|---|---|
| Date | Mar 12, 2024 |
| Book Page | 3266/941 |
| Instrument | 2454149 |
| Name | CENTER STREET LENDING VIII SPE LLC |
|---|---|
| Address | 18301 VON KARMAN AVE STE 330, IRVINE, CA 92612 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 231 E SHORE DR, SUMMERLAND KEY, FL 33042 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2760 RIVERSIDE DR, WANTAGH, NY 11793-4624 |
| Document Number | 0032661019 |
|---|---|
| Date | Mar 12, 2024 |
| Book Page | 3266/1019 |
| Instrument | 2454155 |
| Name | CENTER STREET LENDING VIII SPE LLC |
|---|---|
| Address | 18301 VON KARMAN AVE STE 330, IRVINE, CA 92612 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 231 E SHORE DR, SUMMERLAND KEY, FL 33042 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2760 RIVERSIDE DR, WANTAGH, NY 11793-4624 |
| Document Number | 0032660967 |
|---|---|
| Date | Mar 12, 2024 |
| Book Page | 3266/967 |
| Instrument | 2454151 |
| Name | CENTER STREET LENDING VIII SPE LLC |
|---|---|
| Address | 18301 VON KARMAN AVE STE 330, IRVINE, CA 92612 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 231 E SHORE DR, SUMMERLAND KEY, FL 33042 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2760 RIVERSIDE DR, WANTAGH, NY 11793-4624 |
| Document Number | 0032660859 |
|---|---|
| Date | Mar 12, 2024 |
| Book Page | 3266/859 |
| Instrument | 2454141 |
| Name | CENTER STREET LENDING VIII SPE LLC |
|---|---|
| Address | 18301 VON KARMAN AVE STE 330, IRVINE, CA 92612 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 231 E SHORE DR, SUMMERLAND KEY, FL 33042 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2760 RIVERSIDE DR, WANTAGH, NY 11793-4624 |
| Document Number | 0032660914 |
|---|---|
| Date | Mar 12, 2024 |
| Book Page | 3266/914 |
| Instrument | 2454146 |
| Name | CENTER STREET LENDING VIII SPE LLC |
|---|---|
| Address | 18301 VON KARMAN AVE STE 330, IRVINE, CA 92612 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 27, 2021 |
| Property Address | 231 E SHORE DR, SUMMERLAND KEY, FL 33042 |
| Document Number | 0031151139 |
| Book / Page | 3115 / 1139 |
| Map Reference | MB 2 PG 167 |
| Instrument Date | Jul 22, 2021 |
| Instrument | 2332231 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $24,640.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 230 E SHORE DR, 230, SUMMERLAND KEY, FL 33042-4531 |
| Name | Verified Name |
|---|---|
| Address | 2 S UNIVERSITY DR STE 200, 200, PLANTATION, FL 33324-3305 |
The 2025 property tax bill for 231 E Shore Dr was $18,320, down 7.9% from the year before.
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 | $18,320.00 (-7.95%) | $2,119,964 Land $2,116,850 Building $3,114 | $2,119,964 Land $2,116,850 Building $3,114 |
| 2024 | $19,902.00 (-39.85%) | ||
| 2023 | $33,085.00 (+18.16%) | $4,450,073 (+34.87%) Land $4,446,593 Building $3,480 | $4,450,073 (+34.87%) Land $4,446,593 Building $3,480 |
| 2022 | $28,000.00 | $3,299,541 Land $3,295,877 Building $3,664 | $3,299,541 Land $3,295,877 Building $3,664 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 231 E Shore Dr 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 | 10.0 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 |
|
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 risk around 231 E Shore Dr is low, with less than a 0.01% annual chance of wildfire.
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 216 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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