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

Monroe County property record for 331 Caribbean Dr E, Summerland Key, FL 33042

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,330 sqft · built 2003
Lot Size0.138 acres (6,000 sqft)
OwnerIndividual Name on File
Last Sale$815,000 (Jan 2019)
Tax Bill$6,225 (2024)
Deeds & MortgagesNov 2023 Line of Credit
Jan 2019 Sale
Flood ZoneZone AE (high risk)
APN00193470-000000

Property Details

APN / Parcel Number

Primary APN00193470-000000
Alternative APNs
  • 35662800193470000000
  • 1255351

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area2,330 sqft Living Area
Gross Area2,993 sqft
1st Floor Area2,162 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2010
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area6,000 sqft (0.138 acres)
Lot Dimensions100 ft deep x 60 ft wide
View / LotCanal
Garage TypeAttached
Garage Area663 sqft

Exterior Amenities

Pool Area220 sqft
PorchFlorida Room
Porch Area755 sqft
Deck Area84 sqft
Patio Area840 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1255351
Street Address331 CARIBBEAN DR E
CitySUMMERLAND KEY
StateFL
Zip33042-4846
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 2 LT 31 SUMMERLAND KEY COVE ADDITION 6 PB5-41 SUMMERLAND KEY OR237-515 OR759-1449 OR771-866 OR1274-783 OR1387-800 OR1417-152 OR1447-719 OR2177-1642 OR2456-214 OR2487-1782 OR2946-0646
Legal Range28E
Legal Township66S
Legal Section35
Legal SubdivisionSUMMERLAND KEY COVE ADD #6
Legal Block2
Legal Lot Number31
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group1
Census Block1052
Census Tract971502

Owner

331 Caribbean Dr E is owned and occupied by an individual who bought it in January 2019.

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

Owner of RecordIndividual Name on File
Mailing Address3409 W COLUMBUS DR, TAMPA, FL 33607-1821
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Nov 21, 2023Deed of Trust, Mortgage · Line of Credit
FIFTH THIRD BANK NA
Jan 28, 2019Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 28, 2019 · Amount on File
Deed SaleJan 28, 2019 · Amount on File
Prior SaleOct 18, 2010 · Amount on File
Deed Document Number20192203338
Deed Book / Page2946 / 646
Prior Transfer DateFeb 11, 2010
Prior Transfer Doc0024560214
Record UpdatedJun 8, 2026

November 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address331 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4846
Transaction TypeMortgage
Record UpdatedDec 20, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address3409 W COLUMBUS DR, TAMPA, FL 33607-1821

Mortgage

Document Number0032511195
DateNov 21, 2023
Book Page3251/1195
Instrument2440620
Lender
NameFIFTH THIRD BANK NA
TypeBank
AddressCINCINNATI, OH 45263
Agreement
TypeLine of Credit
AmountAmount on Record
Term359 Months
DueOct 25, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

January 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJan 28, 2019
Property Address331 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4846
Document Number0029460646
Book / Page002946 / 000646
Instrument DateJan 25, 2019
Instrument2203338
Transaction TypeTransfer
Record UpdatedFeb 22, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$5,705.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3409 W COLUMBUS DR TAMPA FL 336071821, TAMPA, FL 33607-1821

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$698,881$1,155,760 Land $660,000 Building $495,760
2024$6,225.00 (+3.96%)
2023$5,988.00 (+8.01%) Homeowner's exemption$659,403 (+8.73%)$1,092,764 (+18.15%) Land $606,000 Building $486,764
2022$5,544.00 Homeowner's exemption$606,451$924,870 Land $468,000 Building $456,870

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

Flood

FEMA maps place 331 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
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

The area around 331 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 RiskNot 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 144 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

May also be available: Hotwire Communications.

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