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

Monroe County property record for 556 Caribbean Dr E, Summerland Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,497 sqft · built 1974
Lot Size	0.152 acres (6,600 sqft)
Owner	Company Name on Record
Last Sale	$1,900,000 (Jun 2026)
Tax Bill	$15,323 (2025)
Deeds & Mortgages	Jun 2026 Sale Dec 2019 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`00192780-000000`

Property Details

APN / Parcel Number

Primary APN	`00192780-000000`
Alternative APNs	`35662800192780000000` `1254673`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,497 sqft Living Area
Gross Area	2,677 sqft
1st Floor Area	1,485 sqft
Basement Area	682 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,600 sqft (0.152 acres)
Lot Dimensions	100 ft deep x 60 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	180 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	974 sqft
Deck Area	480 sqft
Patio Area	1,072 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	1254673
Street Address	556 CARIBBEAN DR E
City	SUMMERLAND KEY
State	FL
Zip	33042-4814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 1 LT 11 AND PORTION OF LAND LYING SWLY SUMMERLAND KEY COVE ADDITION NO 6 PB5-41 SUMMERLAND KEY OR527-1088 OR829-547 OR1171-1298/AFF OR1171-1299 OR1171-1300/AFF OR1348-110 OR1348-112/13 OR1644-947/48 OR1644-949/50 OR1665-1453/55C OR1665-1456/58C OR
Legal Range	28E
Legal Township	66S
Legal Section	35
Legal Subdivision	SUMMERLAND KEY COVE ADD #6
Legal Block	1
Legal Lot Number	11
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1039
Census Tract	971502

Owner

Source: Monroe County records, as of June 30, 2026

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

Owner of Record	Company Name on Record
Mailing Address	929 IRIS DR, DELRAY BEACH, FL 33483-4810
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Dec 27, 2019	Deed of Trust, Mortgage · Line of Credit CHIROPRACTIC FCU
Aug 26, 2019	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 26, 2019	Correction Deed ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2026 · Amount on Record
Deed Sale	Jun 22, 2026 · Amount on Record
Prior Sale	Aug 26, 2019 · Amount on Record
Deed Document Number	20262548296
Deed Book / Page	3387 / 705
Prior Transfer Date	Mar 25, 1994
Prior Transfer Doc	1301000384
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 22, 2026
Property Address	556 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4814
Document Number	0002548296
Book / Page	3387 / 705
Instrument Date	Jun 15, 2026
Instrument	20262548296
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$1,343,300.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	929 IRIS DR, DELRAY BEACH, FL 33483-4810

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	556 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4814
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030010001
Date	Dec 27, 2019
Book Page	3001/0001
Instrument	2249734

Lender

Name	CHIROPRACTIC FCU
Type	Credit Union
Address	FARMINGTON, MI 48335

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 26, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 26, 2019
Property Address	556 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4814
Document Number	0029811550
Book / Page	2981 / 1550
Map Reference	MB 5 PG 41
Instrument Date	Aug 21, 2019
Instrument	2234082
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	350 NORTH BLVD FEDERAL HWY6105, 350, BOYNTON BEACH, FL 33435-6806

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	53 NAPLES ORCHARD DRIVE, CHILLICOTHE, OH 45601

Mortgage

Document Number	0029811552
Date	Aug 26, 2019
Instrument	2981-1552

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

August 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	MONROE FL
Recording Date	Aug 26, 2019
Property Address	556 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4814
Document Number	0029811547
Book / Page	002981 / 001547
Instrument Date	Aug 15, 2019
Instrument	2234081
Record Updated	Sep 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	350 N FEDERAL HWY #6105 BOYNTON BEACH FL 334354171, 6105, BOYNTON BEACH, FL 33435-4171

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	$15,323.00 (+5.44%) Homeowner's exemption	$1,713,312 (-1.18%)	$1,721,631 (-0.7%) Land $1,335,411 Building $386,220
2024	$14,533.00 (-5.8%)
2023	$15,428.00 (+84.19%)	$1,733,716 (+84.4%) Land $1,347,819 Building $385,897	$1,733,716 (+55.38%) Land $1,347,819 Building $385,897
2022	$8,376.00 Homeowner's exemption	$940,169	$1,115,812 Land $725,868 Building $389,944

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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 144 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

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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