Monroe County property record for 551 E Shore Dr, Summerland Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,234 sqft · built 2000 |
| Lot Size | 0.724 acres (31,550 sqft) |
| Owner | Company Name on File |
| Last Sale | $2,400,000 (Jun 2021) |
| Tax Bill | $12,959 (2025) |
| Deeds & Mortgages | Sep 2026 Transfer Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00196720-000000 |
| Primary APN | 00196720-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 3 Stories |
| Building Area | 2,234 sqft Living Area |
| Gross Area | 2,504 sqft |
| 1st Floor Area | 2,154 sqft |
| Basement Area | 867 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Mixed |
| Construction Type | Wood |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 31,550 sqft (0.724 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 270 sqft |
| Pool Area | 384 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 963 sqft |
| Deck Area | 735 sqft |
| Patio Area | 1,657 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|
| Account Number | 1258393 |
|---|---|
| Street Address | 551 E SHORE DR |
| City | SUMMERLAND KEY |
| State | FL |
| Zip | 33042-4529 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | PT LTS 24 & 25 SUMMERLAND BCH AMD PLAT PB2-155 & S 10FT OF LT 16 SUMMERLAND ESTATES PB2-167 SUMMERLAND KEY OR445-751/52 OR476-770/771 OR696-443/44 OR1068-482/83 OR1286-61/63 OR1286-324/41 OR1480-1841/42 OR1645-1586/87 OR1863-2164/68 OR3104-0392 OR312 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 36 |
| Legal Subdivision | SUMMERLAND BEACH AMD |
| Legal Tract | 16 |
| Legal Lot Number | 24-25 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 971502 |
551 E Shore Dr is owned by a company that bought it in June 2021.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 551 E SHORE DR, SUMMERLAND KEY, FL 33042-4529 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
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 |
|---|---|
| Sep 21, 2026 | Correction Deed NONE LISTED ON DOCUMENT |
| Oct 1, 2021 | Deed of Trust, Mortgage PRIME HOLDINGS INSURANCE SERVICES INC |
| Jun 9, 2021 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 9, 2021 · Amount on File |
| Deed Sale | Jun 9, 2021 · Amount on File |
| Prior Sale | Mar 5, 2003 · Amount on File |
| Deed Document Number | 20212324319 |
| Deed Book / Page | 3104 / 392 |
| Transfer Doc | 1645001586 |
| Record Updated | Oct 29, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 21, 2026 |
| Property Address | 551 E SHORE DR, SUMMERLAND KEY, FL 33042-4529 |
| Document Number | 0002561227 |
| Book / Page | 3403 / 790 |
| Instrument Date | Sep 3, 2026 |
| Instrument | 20262561227 |
| Record Updated | Sep 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 551 E SHORE DR, SUMMERLAND KEY, FL 33042-4529 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0031291165 |
|---|---|
| Date | Oct 1, 2021 |
| Book Page | 3129/1165 |
| Instrument | 2342416 |
| Name | PRIME HOLDINGS INSURANCE SERVICES INC |
|---|---|
| Type | Non-Lending Institution |
| Address | CHICAGO, IL 60603 |
| Amount | Amount on Record |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jun 9, 2021 |
| Property Address | 551 E SHORE DR, SUMMERLAND KEY, FL 33042-4529 |
| Document Number | 0031040392 |
| Book / Page | 3104 / 392 |
| Map Reference | MB 2 PG 155 |
| Instrument Date | Jun 4, 2021 |
| Instrument | 2324319 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $16,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 36, RICHMONDVILLE, NY 12149-0036 |
| Name | Verified Name |
|---|---|
| Address | 8722 S HARRISON ST, SANDY, UT 84070-1420 |
The 2025 property tax bill for 551 E Shore Dr was $12,959, down 7.5% from the year before.
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 | $12,959.00 (-7.48%) | $1,464,543 Land $1,464,543 | $1,464,543 Land $1,464,543 |
| 2024 | $14,006.00 (+1.08%) | ||
| 2023 | $13,856.00 (-29.72%) | $1,601,893 (-28.33%) Land $1,533,117 Building $68,776 | $1,601,893 (-28.33%) Land $1,533,117 Building $68,776 |
| 2022 | $19,715.00 | $2,235,049 Land $1,567,404 Building $667,645 | $2,235,049 Land $1,567,404 Building $667,645 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 551 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 551 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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