646 E Shore Dr, Summerland Key, FL 33042 Property Records

Monroe County property record for 646 E Shore Dr, Summerland Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,152 sqft · built 1981
Lot Size	0.265 acres (11,545 sqft)
Owner	Individual Name on File
Last Sale	$530,000 (Nov 2019)
Tax Bill	$5,961 (2024)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00196950-000000`

Property Details

APN / Parcel Number

Primary APN	`00196950-000000`
Alternative APNs	`36662800196950000000` `1258610`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2010
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	11,545 sqft (0.265 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	994 sqft
Deck Area	900 sqft
Patio Area	1,044 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1258610
Old Parcel Number	36662800196950000000
Street Address	646 E SHORE DR
City	SUMMERLAND KEY
State	FL
Zip	33042-4515
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 11 SUMMERLAND BCH ADDN 1 SUMMERLAND KEY PB 3-20 OR17-477 OR577-233 OR803-921 OR807-1342 OR843-1515 OR2803-667D/C
Legal Range	28E
Legal Township	66S
Legal Section	36
Legal Subdivision	SUMMERLAND BEACH ADD NO 1
Legal Lot Number	11
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1035
Census Tract	971502

Owner

646 E Shore Dr is owned by an individual who bought it in November 2019.

Source: Monroe County records, as of December 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	169 WASHINGTON RD, PRINCETON, NJ 08540-6450
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	2 Names on Deed
Last Sale	Nov 12, 2019 · Amount on File
Deed Sale	Nov 12, 2019 · Amount on File
Prior Sale	Dec 3, 1999 · Amount on File
Deed Document Number	2244063
Deed Book / Page	2993 / 2182
Record Updated	Jun 8, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 12, 2019
Property Address	646 E SHORE DR, SUMMERLAND KEY, FL 33042-4515
Document Number	0029932182
Book / Page	2993 / 2182
Map Reference	MB 3 PG 20
Instrument Date	Nov 4, 2019
Instrument	2244063
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	TRUE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,710.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	169 WASHINGTON RD, PRINCETON, NJ 08540-6450

Mortgage

Document Number	0029932186
Date	Nov 12, 2019
Instrument	2993-2186

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$534,136 Land $274,309 Building $259,827	$534,136 Land $274,309 Building $259,827
2024	$5,961.00 (+9.04%)
2023	$5,467.00 (+8.09%)	$625,816 (+9.22%) Land $396,224 Building $229,592	$625,816 (+9.22%) Land $396,224 Building $229,592
2022	$5,058.00	$572,988 Land $340,347 Building $232,641	$572,988 Land $340,347 Building $232,641

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

Flood

FEMA maps place 646 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	9.0 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

Wildfire risk around 646 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.

Internet Providers

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