Monroe County property record for 637 E Shore Dr, Summerland Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 840 sqft · built 1958 |
| Lot Size | 0.179 acres (7,822 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,181 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00197090-000000 |
| Primary APN | 00197090-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 840 sqft Living Area |
| 1st Floor Area | 840 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 7,822 sqft (0.179 acres) |
| Porch | Open Porch |
| Porch Area | 248 sqft |
| Boat Access | Boat Access |
| Cooling System | None |
|---|
| Account Number | 1258750 |
|---|---|
| Old Parcel Number | 36662800197090000000 |
| Street Address | 637 E SHORE DR |
| City | SUMMERLAND KEY |
| State | FL |
| Zip | 33042 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 33 SUMMERLAND BCH ADDN #1 SUMMERLAND KEY PB3-20 OR15-196 OR91-321/22 OR1050-2467QC/RS OR1300-122Q/C |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 36 |
| Legal Subdivision | SUMMERLAND BEACH ADD NO 1 |
| Legal Lot Number | 33 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 971502 |
637 E Shore Dr is owned by an individual who acquired it in March 1994.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1680 HENLEY RD NW, PALM BAY, FL 32907-6328 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 31, 1994 |
| Deed Sale | Mar 31, 1994 |
| Deed Document Number | 0130000122 |
| Record Updated | Jun 8, 2026 |
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 | $594,717 Land $483,909 Building $110,808 | $594,717 Land $483,909 Building $110,808 | |
| 2024 | $5,181.00 (+9.17%) | ||
| 2023 | $4,746.00 (+14.55%) | $607,862 (+27.17%) Land $508,205 Building $99,657 | $607,862 (+27.17%) Land $508,205 Building $99,657 |
| 2022 | $4,143.00 | $477,995 Land $376,598 Building $101,397 | $477,995 Land $376,598 Building $101,397 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 637 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 637 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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