Monroe County property record for 628 Caribbean Dr E, Summerland Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,770 sqft · built 2002 |
| Lot Size | 0.137 acres (6,000 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $935,000 (Sep 2004) |
| Tax Bill | $5,529 (2024) |
| Deeds & Mortgages | Dec 2019 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00192720-000000 |
| Primary APN | 00192720-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 3 Stories |
| Building Area | 1,770 sqft Living Area |
| 1st Floor Area | 1,770 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Masonry |
| Elevator | Elevator |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Other |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,000 sqft (0.137 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Garage Area | 840 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 794 sqft |
| Patio Area | 1,647 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|
| Account Number | 1254614 |
|---|---|
| Old Parcel Number | 35662800192720000000 |
| Street Address | 628 CARIBBEAN DR E |
| City | SUMMERLAND KEY |
| State | FL |
| Zip | 33042-4815 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1 LT 5 SUMMERLAND KEY COVE ADDITION NO 6 SUMMERLAND KEY PB5-41 OR445-544/45 OR1024-818/19 OR2045-2242 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 35 |
| Legal Subdivision | SUMMERLAND KEY COVE ADD #6 |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 971502 |
The current owner of 628 Caribbean Dr E bought it in September 2004.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 628 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4815 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 28, 2004 · Amount on File |
| Deed Sale | Sep 28, 2004 · Amount on File |
| Deed Document Number | 1470897 |
| Deed Book / Page | 2045 / 2242 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 628 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4815 |
| Document Number | 0030010227 |
| Instrument Date | Dec 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2020 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 628 CARIBBEAN DR E SUMMERLAND KEY FL 330424815, SUMMERLAND KEY, FL 33042-4815 |
| Document Number | 0030010227 |
|---|---|
| Date | Dec 27, 2019 |
| Book Page | 003001/000227 |
| Instrument | 2249793 |
| Name | TRUIST BK |
|---|---|
| Address | WHITEVILLE, NC 28472 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Dec 26, 2044 |
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 | $613,918 | $1,148,466 Land $660,000 Building $488,466 | |
| 2024 | $5,529.00 (+4.12%) | ||
| 2023 | $5,310.00 (+2.71%) Homeowner's exemption | $579,240 (+3%) | $1,078,887 (+14.68%) Land $606,000 Building $472,887 |
| 2022 | $5,170.00 Homeowner's exemption | $562,369 | $940,793 Land $468,000 Building $472,793 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 628 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 | 11.0 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.
The area around 628 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.
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.
5G (outdoors only) and 4G LTE
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