Monroe County property record for 520 E Shore Dr, Summerland Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,409 sqft · built 1990 |
| Lot Size | 0.504 acres (21,961 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $280,000 (May 2014) |
| Tax Bill | $4,672 (2024) |
| Deeds & Mortgages | Apr 2022 Mortgage Nov 2017 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00196850-000000 |
| Primary APN | 00196850-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 1,409 sqft Living Area |
| 1st Floor Area | 1,409 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 21,961 sqft (0.504 acres) |
| Pool Area | 420 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 980 sqft |
| Deck Area | 892 sqft |
| Patio Area | 892 sqft |
| Fence | Fence |
| Cooling System | None |
|---|
| Account Number | 1258512 |
|---|---|
| Old Parcel Number | 36662800196850000000 |
| Street Address | 520 E SHORE DR |
| City | SUMMERLAND KEY |
| State | FL |
| Zip | 33042-4521 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LTS 1 & 2 SUMMERLAND BCH ADDN 1 PB3-20 SUMMERLAND KEY G65-479 OR1071-926 OR1198-1917 OR1251-1234/35 OR1351-1255 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 36 |
| Legal Subdivision | SUMMERLAND BEACH ADD NO 1 |
| Legal Lot Number | 1-2 2 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 971502 |
520 E Shore Dr is owned and occupied by two individuals who bought it in May 2014.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 520 E SHORE DR, SUMMERLAND KEY, FL 33042-4521 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Apr 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LOAN SERVICING LLC |
| Nov 9, 2017 | Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 13, 2014 · Amount on File |
| Deed Sale | May 13, 2014 · Amount on File |
| Deed Document Number | 1980326 |
| Deed Book / Page | 2683 / 1843 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 520 E SHORE DR, SUMMERLAND KEY, FL 33042-4521 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 520 E SHORE DR, SUMMERLAND KEY, FL 33042-4521 |
| Document Number | 0031701033 |
|---|---|
| Date | Apr 28, 2022 |
| Book Page | 3170/1033 |
| Instrument | 2372953 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 520 E SHORE DR, SUMMERLAND KEY, FL 33042-4521 |
| Document Number | 0028991733 |
| Instrument Date | Nov 9, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 520 E SHORE DR SUMMERLAND KEY FL 330424521, SUMMERLAND KEY, FL 33042-4521 |
| Document Number | 0028991733 |
|---|---|
| Date | Apr 5, 2018 |
| Book Page | 002899/001733 |
| Instrument | 2162804 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 4, 2048 |
Source: Monroe County assessment roll, as of July 1, 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 | $509,274 | $721,075 Land $366,327 Building $354,748 | |
| 2024 | $4,672.00 (+4.43%) | ||
| 2023 | $4,474.00 (+2.69%) Homeowner's exemption | $480,507 (+3%) | $867,166 (+9.15%) Land $529,140 Building $338,026 |
| 2022 | $4,357.00 Homeowner's exemption | $466,512 | $794,452 Land $454,517 Building $339,935 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 520 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 | 9.0 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 520 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 98% of the US · lower than 97.6% 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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