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

Monroe County property record for 296 Caribbean Dr E, Summerland Key, FL 33042

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,512 sqft · built 1985
Lot Size0.138 acres (6,000 sqft)
Owner2 Company Names on File
Last Sale$2,000,000 (Nov 2023)
Tax Bill$14,162 (2024)
Deeds & MortgagesNov 2023 Sale
Aug 2022 Line of Credit
+ 2 more
Flood ZoneZone AE (high risk)
APN00193000-000000

Property Details

APN / Parcel Number

Primary APN00193000-000000
Alternative APNs
  • 35662800193000000000
  • 1254894

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,512 sqft Living Area
Gross Area1,848 sqft
1st Floor Area1,288 sqft
FlooringConcrete/Cement
Interior WallsWood

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 2014
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area6,000 sqft (0.138 acres)
Lot Dimensions100 ft deep x 60 ft wide
Garage TypeAttached
Garage Area336 sqft

Exterior Amenities

PorchFlorida Room
Porch Area256 sqft
Patio Area3,000 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Account Number1254894
Street Address296 CARIBBEAN DR E
CitySUMMERLAND KEY
StateFL
Zip33042-4811
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 1 LT 33 SUMMERLAND KEY COVE ADDITION #6 PB5-41 SUMMERLAND KEY OR354-379 OR355-543 OR808-19 OR908-1179 OR908-1181 OR1454-526 OR1458-1306 OR3058-1565 OR3221-2026 OR3250-1016
Legal Range28E
Legal Township66S
Legal Section35
Legal SubdivisionSUMMERLAND KEY COVE ADD #6
Legal Block1
Legal Lot Number33
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group1
Census Block1039
Census Tract971502

Owner

Source: Monroe County assessment roll, 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 Record2 Company Names on File
Mailing Address296 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4811
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Nov 13, 2023Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Aug 3, 2022Deed of Trust, Mortgage · Line of Credit
CITY NATIONAL BANK OF FLORIDA
Apr 21, 2023Intrafamily Transfer, Transfer
Nov 23, 2020Warranty Deed, Transfer · Conventional Mortgage
US BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 13, 2023 · Amount on Record
Deed SaleNov 13, 2023 · Amount on Record
Prior SaleNov 23, 2020 · Amount on Record
Deed Document Number20232439700
Deed Book / Page3250 / 1016
Prior Transfer DateApr 17, 2023
Prior Transfer Doc0032212026
Record UpdatedJun 8, 2026

November 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateNov 13, 2023
Property Address296 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4811
Document Number0032501016
Book / Page3250 / 1016
Map ReferenceMB 5 PG 41
Instrument DateNov 8, 2023
Instrument2439700
Transaction TypeTransfer
Record UpdatedDec 4, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$14,000.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address13300 SW 98TH PL, MIAMI, FL 33176-6159

Transferred To (Grantee/Buyer)

NameVerified Name
Address13300 SW 98TH PL, MIAMI, FL 33176-6159

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address296 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4811
Transaction TypeMortgage
Record UpdatedJun 21, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address13300 SW 98TH PL, MIAMI, FL 33176-6159

Mortgage

Document Number0031871057
DateAug 3, 2022
Book Page3187/1057
Instrument2386320
Lender
NameCITY NATIONAL BANK OF FLORIDA
TypeBank
AddressMIAMI, FL 33131
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

April 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateApr 21, 2023
Property Address296 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4811
Document Number0032212026
Book / Page3221 / 2026
Map ReferenceMB 5 PG 41
Instrument DateApr 17, 2023
Instrument2414948
Transaction TypeTransfer
Record UpdatedJun 21, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address296 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4811

Transferred To (Grantee/Buyer)

NameVerified Name
Address296 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4811

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateNov 23, 2020
Property Address296 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4811
Document Number0030581565
Book / Page3058 / 1565
Map ReferenceMB 5 PG 41
Instrument DateNov 18, 2020
Instrument2292114
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyTITLE COMPANY OF SOUTH FL

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$6,825.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1552 LANTERN HILL DR, 1552, WADSWORTH, OH 44281-8130

Transferred To (Grantee/Buyer)

NameVerified Name
Address296 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4811

Mortgage

Document Number0030581567
DateNov 23, 2020
Instrument3058/1567
Lender
NameUS BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2050
Interest
Rate TypeAdjustable Rate
Rate2.5%
Type Change DateDec 1, 2030
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change7.5%
Index1-Year CMT
Max Rate7.5%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,666,027 (+4.29%) Land $1,291,500 Building $374,527$1,666,027 (+4.29%) Land $1,291,500 Building $374,527
2024$14,162.00 (+30.95%)
2023$10,815.00 (+25.71%)$1,597,533 (+60.13%) Land $1,303,500 Building $294,033$1,597,533 (+60.13%) Land $1,303,500 Building $294,033
2022$8,603.00$997,664 Land $702,000 Building $295,664$997,664 Land $702,000 Building $295,664

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation11.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 454 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies454 in force
Nearby Flood Claims828 (1998–2022)
Claims Outside the SFHA2 of 828
Most Recent ClaimSep 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 RiskNot rated
no burnable land within ember reach

Internet Providers

Source: FCC Broadband Data Collection, based on 100 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		1,200 / 35

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