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

Monroe County property record for 545 Caribbean Dr E, Summerland Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,280 sqft · built 1979
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$724,000 (Feb 2021)
Tax Bill	$8,481 (2024)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00193290-000000`

Property Details

APN / Parcel Number

Primary APN	`00193290-000000`
Alternative APNs	`35662800193290000000` `1255173`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	3 Stories
Building Area	1,280 sqft Living Area
Gross Area	1,652 sqft
1st Floor Area	1,280 sqft
Flooring	Ceramic Tile
Interior Walls	Wood

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
View / Lot	Canal
Garage Type	Attached
Garage Area	372 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	852 sqft
Patio Area	372 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	1255173
Street Address	545 CARIBBEAN DR E
City	SUMMERLAND KEY
State	FL
Zip	33042-4844
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 2 LT 13 SUMMERLAND KEY COVE ADDITION NO 6 SUMMERLAND KEY PB5-41 OR434-704 OR773-506 OR820-350 OR1421-2171 OR1422-2050 OR2530-588 OR2727-746 OR2726-173 OR3077-0558
Legal Range	28E
Legal Township	66S
Legal Section	35
Legal Subdivision	SUMMERLAND KEY COVE ADD #6
Legal Block	2
Legal Lot Number	13
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1052
Census Tract	971502

Owner

545 Caribbean Dr E is owned by an individual who bought it in February 2021.

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

Owner of Record	Individual Name on File
Mailing Address	13885 77TH PL N, WEST PALM BEACH, FL 33412-2105
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2021 · Amount on File
Deed Sale	Feb 23, 2021 · Amount on File
Prior Sale	Feb 25, 2015 · Amount on File
Deed Document Number	20212305258
Deed Book / Page	3077 / 558
Transfer Doc	1421002171
Record Updated	Oct 29, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 23, 2021
Property Address	545 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4844
Document Number	0030770558
Book / Page	3077 / 558
Map Reference	MB 5 PG 41
Instrument Date	Feb 22, 2021
Instrument	2305258
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	TRUE TITLE FLORIDA KEYS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,068.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1616 ATLANTIC BLVD APT 14, 1616, KEY WEST, FL 33040-5372

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5357 MEADOWS EDGE DR, LAKE WORTH, FL 33463-7442

Mortgage

Document Number	0003077560
Date	Feb 23, 2021
Instrument	3077/560

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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		$1,015,154 Land $660,000 Building $355,154	$1,015,154 Land $660,000 Building $355,154
2024	$8,481.00 (+1.08%)
2023	$8,390.00 (+11.02%)	$939,152 (+17.06%) Land $606,000 Building $333,152	$939,152 (+17.06%) Land $606,000 Building $333,152
2022	$7,557.00	$802,316 Land $468,000 Building $334,316	$802,316 Land $468,000 Building $334,316

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

Flood

FEMA maps place 545 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 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	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 545 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 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 175 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