Monroe County property record for 451 E Shore Dr, Summerland Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,051 sqft · built 1993 |
| Lot Size | 0.821 acres (35,750 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $2,750,000 (Mar 2024) |
| Tax Bill | $18,300 (2024) |
| Deeds & Mortgages | Mar 2024 Sale Mar 2021 Line of Credit + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00200600-000400 |
| Primary APN | 00200600-000400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 3,051 sqft Living Area |
| 1st Floor Area | 2,416 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 35,750 sqft (0.821 acres) |
| View / Lot | Waterfront |
| Pool Area | 324 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 1,170 sqft |
| Deck Area | 135 sqft |
| Patio Area | 625 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|
| Account Number | 8571763 |
|---|---|
| Street Address | 451 E SHORE DR |
| City | SUMMERLAND KEY |
| State | FL |
| Zip | 33042-4526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NA |
| Legal Description | 36 66 28 SUMMERLAND ESTATES PB2-167 PT LT 16 (NLY 121OF SLY 242 OF NLY 484) (A/K/A TRACT C) OR828-1610/12 OR828-1613/15 OR994-1796 OR995-505/06 OR1009-2088/90 OR1107-1199/1200 OR1226-2342 OR1283-520 OR1821-2217 OR2290-1162 OR2442-2383 OR3064-0304 OR |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 36 |
| Legal Subdivision | SUMMERLAND ESTATES |
| Legal Tract | C |
| Legal Lot Number | 16 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 971502 |
451 E Shore Dr is owner-occupied and held in a trust since March 2024.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 451 E SHORE DR, SUMMERLAND KEY, FL 33042-4526 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 |
|---|---|
| Mar 27, 2024 | Warranty Deed, Transfer |
| Mar 26, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Dec 21, 2020 | Warranty Deed, Transfer · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Dec 21, 2020 | Quit Claim Deed, Transfer OTHER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 27, 2024 · Amount on File |
| Deed Sale | Mar 27, 2024 · Amount on File |
| Prior Sale | Dec 21, 2020 · Amount on File |
| Deed Document Number | 20242455865 |
| Deed Book / Page | 3268 / 1106 |
| Prior Transfer Date | Jan 1, 2007 |
| Prior Transfer Doc | 0022901162 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 27, 2024 |
| Property Address | 451 E SHORE DR, SUMMERLAND KEY, FL 33042-4526 |
| Document Number | 0032681106 |
| Book / Page | 3268 / 1106 |
| Map Reference | MB 2 PG 167 |
| Instrument Date | Mar 1, 2024 |
| Instrument | 2455865 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $19,250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7 DALTON ST, DANIEL ISLAND, SC 29492-7960 |
| Name | Verified Name |
|---|---|
| Address | 451 E SHORE DR, SUMMERLAND KEY, FL 33042-4526 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 451 E SHORE DR, SUMMERLAND KEY, FL 33042-4526 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2021 |
| Title Company | ALL FLORIDA TITLE COMPANY INC, ALL FLORIDA TITLE SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 7 DALTON ST, DANIEL ISLAND, SC 29492-7960 |
| Document Number | 0030840890 |
|---|---|
| Date | Mar 26, 2021 |
| Book Page | 3084/890 |
| Instrument | 2310504 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 297 Months |
| Due | Dec 1, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Dec 21, 2020 |
| Property Address | 451 E SHORE DR, SUMMERLAND KEY, FL 33042-4526 |
| Document Number | 0030640310 |
| Book / Page | 3064 / 310 |
| Map Reference | MB 2 PG 167 |
| Instrument Date | Dec 1, 2020 |
| Instrument | 2295914 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $12,600.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2502 LAKE LANSING RDC, 2502, LANSING, MI 48912 |
| Name | Verified Name |
|---|---|
| Address | 7 DALTON ST, DANIEL ISLAND, SC 29492-7960 |
| Document Number | 0003064330 |
|---|---|
| Date | Dec 21, 2020 |
| Instrument | 3064/330 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Dec 1, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Number | 0030640312 |
|---|---|
| Date | Dec 21, 2020 |
| Book Page | 3064/312 |
| Instrument | 2295915 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Dec 21, 2020 |
| Property Address | 451 E SHORE DR, SUMMERLAND KEY, FL 33042-4526 |
| Document Number | 0030640304 |
| Book / Page | 003064 / 000304 |
| Instrument Date | Dec 18, 2012 |
| Instrument | 2295912 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2021 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2502 LAKE LANSING RD #C LANSING MI 489123661, C, LANSING, MI 48912-3661 |
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 | $2,202,880 Land $1,431,943 Building $770,937 | $2,202,880 Land $1,431,943 Building $770,937 | |
| 2024 | $18,300.00 (+7.95%) | ||
| 2023 | $16,952.00 (+8%) | $2,200,740 (+7.07%) Land $1,539,550 Building $661,190 | $2,200,740 (+7.07%) Land $1,539,550 Building $661,190 |
| 2022 | $15,697.00 | $2,055,350 Land $1,385,825 Building $669,525 | $2,055,350 Land $1,385,825 Building $669,525 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 451 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 451 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 99.1% of the US · lower than 98.7% 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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