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

Monroe County property record for 433 Caribbean Dr E, Summerland Key, FL 33042

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,920 sqft · built 1986
Lot Size0.138 acres (6,000 sqft)
Owner2 Individual Names on File
Last Sale$7,792,857 (Jul 2020)
Tax Bill$7,241 (2024)
Deeds & MortgagesJul 2020 Sale & Mortgage
Apr 2020 Sale
Flood ZoneZone AE (high risk)
APN00193390-000000

Property Details

APN / Parcel Number

Primary APN00193390-000000
Alternative APNs
  • 35662800193390000000
  • 1255271

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories2 Stories
Building Area1,920 sqft Living Area
1st Floor Area1,920 sqft
Basement Area720 sqft
FlooringConcrete/Cement
Interior WallsWood

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 2009
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area6,000 sqft (0.138 acres)
Lot Dimensions100 ft deep x 60 ft wide
View / LotCanal
Garage TypeCovered
Garage Area480 sqft

Exterior Amenities

PorchUnfinished Open Porch
Porch Area1,047 sqft
Deck Area672 sqft
Patio Area1,422 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Account Number1255271
Street Address433 CARIBBEAN DR E
CitySUMMERLAND KEY
StateFL
Zip33042-4845
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 2 LT 23 SUMMERLAND KEY COVE ADDITION #6 PB5-41 OR237-515 OR497-559 OR875-1150 OR913-1161 OR976-2493 OR981-1021 OR1156-1354 OR1182-1887 OR1485-1301 OR1616-2353 OR1616-2354 OR3019-1630 OR3033-1531
Legal Range28E
Legal Township66S
Legal Section35
Legal SubdivisionSUMMERLAND KEY COVE ADD #6
Legal Block2
Legal Lot Number23
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group1
Census Block1052
Census Tract971502

Owner

Source: Monroe County records · APN 00193390-000000

Assessment roll updated December 8, 2025 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address327 N LAKESIDE DR, LAKE WORTH BEACH, FL 33460-3512
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 24, 2020Warranty Deed, Transfer · Conventional Mortgage
AMERICAN FINANCIAL NETWORK INC
Apr 24, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 24, 2020 · Amount on Record
Deed SaleJul 24, 2020 · Amount on Record
Prior SaleApr 24, 2020 · Amount on Record
Deed Document Number20202274379
Deed Book / Page3033 / 1531
Prior Transfer DateApr 21, 2020
Prior Transfer Doc0030191630
Record UpdatedJun 08, 2026

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJul 24, 2020
Property Address433 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4845
Document Number0030331531
Book / Page3033 / 1531
Map ReferenceMB 5 PG 41
Instrument DateJul 23, 2020
Instrument2274379
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyTRUE TITLE FLORIDA KEYS INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,550.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address433 CARIBBEAN DR E, 433, SUMMERLAND KEY, FL 33042-4845

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address327 N LAKESIDE DR, LAKE WORTH, FL 33460-3512

Mortgage

Document Number0030331533
DateJul 24, 2020
Instrument3033/1533
Lender
NameAMERICAN FINANCIAL NETWORK INC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2050

April 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateApr 24, 2020
Property Address433 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4845
Document Number0030191630
Book / Page003019 / 001630
Instrument DateApr 21, 2020
Instrument2264164
Transaction TypeTransfer
Record UpdatedJul 02, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$385.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address433 CARIBBEAN DR E SUMMERLAND KEY FL 330424845, SUMMERLAND KEY, FL 33042-4845

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$959,360 (+7.73%) Land $660,000 Building $299,360$959,360 (+7.73%) Land $660,000 Building $299,360
2024$7,241.00 (+4.61%)
2023$6,922.00 (+11.11%)$890,560 (+17.36%) Land $606,000 Building $284,560$890,560 (+17.36%) Land $606,000 Building $284,560
2022$6,230.00$758,856 Land $468,000 Building $290,856$758,856 Land $468,000 Building $290,856

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 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

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Hotwire Communications.

Based on FCC filings for 144 locations within half a mile of this property.

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