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

Monroe County property record for 381 Caribbean Dr E, Summerland Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,548 sqft · built 1983
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on Record
Last Sale	$1,250,000 (Aug 2024)
Tax Bill	$7,784 (2024)
Deeds & Mortgages	Feb 2020 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00193420-000000`

Property Details

APN / Parcel Number

Primary APN	`00193420-000000`
Alternative APNs	`35662800193420000000` `1255301`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,548 sqft Living Area
1st Floor Area	1,308 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2012
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,000 sqft (0.137 acres)
Garage Area	625 sqft

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	620 sqft
Patio Area	275 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1255301
Old Parcel Number	35662800193420000000
Street Address	381 CARIBBEAN DR E
City	SUMMERLAND KEY
State	FL
Zip	33042-4846
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 2 LT 26 SUMMERLAND KEY COVE ADDITION #6 PB5-41 SUMMERLAND KEY OR237-515 OR757-1826 OR778-424 OR862-122 OR904-2080
Legal Range	28E
Legal Township	66S
Legal Section	35
Legal Subdivision	SUMMERLAND KEY COVE ADD #6
Legal Block	2
Legal Lot Number	26
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1052
Census Tract	971502

Owner

Source: Monroe County records, as of December 5, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2085 VERTEX CT, THE VILLAGES, FL 32163-2899
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L
Mar 18, 2019	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2024 · Amount on Record
Deed Sale	Aug 23, 2024 · Amount on Record
Prior Sale	Mar 18, 2019 · Amount on Record
Deed Document Number	2472482
Deed Book / Page	3289 / 2451
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	381 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4846
Document Number	0030132231
Instrument Date	Feb 25, 2020
Transaction Type	Mortgage
Record Updated	Jun 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44029 PANDORA CT ASHBURN VA 201473845, ASHBURN, VA 20147-3845

Mortgage

Document Number	0030132231
Date	Mar 16, 2020
Book Page	003013/002231
Instrument	2260152

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 15, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 18, 2019
Property Address	381 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4846
Document Number	0029532317
Book / Page	2953 / 2317
Map Reference	MB 5 PG 41
Instrument Date	Mar 15, 2019
Instrument	2211229
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,669.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	381 CARIBBEAN DR E, 381, SUMMERLAND KEY, FL 33042-4846

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	381 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4846

Mortgage

Document Number	0002211230
Date	Mar 18, 2019
Instrument	2211230

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$1,039,511 (+7.3%) Land $660,000 Building $379,511	$1,039,511 (+7.3%) Land $660,000 Building $379,511
2024	$7,784.00 (+4.61%)
2023	$7,441.00 (+10.81%)	$968,813 (+16.22%) Land $606,000 Building $362,813	$968,813 (+16.22%) Land $606,000 Building $362,813
2022	$6,715.00	$833,582 Land $468,000 Building $365,582	$833,582 Land $468,000 Building $365,582

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

Flood

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	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 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 144 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

May also be available: Hotwire Communications.

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