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

Monroe County property record for 648 Caribbean Dr E, Summerland Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,490 sqft · built 2001
Lot Size	0.138 acres (6,000 sqft)
Owner	Trust Name on File
Last Sale	$725,000 (Jan 2021)
Tax Bill	$6,361 (2025)
Deeds & Mortgages	Mar 2023 Transfer Jan 2023 Line of Credit + 3 more
Flood Zone	Zone AE (high risk)
APN	`00192700-000000`

Property Details

APN / Parcel Number

Primary APN	`00192700-000000`
Alternative APN	`1254592`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,490 sqft Living Area
Gross Area	3,114 sqft
1st Floor Area	1,476 sqft
Attic	Attic
Attic Area	208 sqft
Basement Area	806 sqft
Flooring	Concrete/Cement
Interior Walls	Masonry

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	624 sqft
Porch	Slab
Porch Area	784 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	1254592
Street Address	648 CARIBBEAN DR E
City	SUMMERLAND KEY
State	FL
Zip	33042-4815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 1 LT 3 SUMMERLAND KEY COVE ADDN 6 PB 5-41 SUMMERLAND KEY OR817-2068 OR1459-814 OR1652-1615 OR2782-502/03 OR3034-0456 OR3069-1318 OR3216-0862
Legal Range	28E
Legal Township	66S
Legal Section	35
Legal Subdivision	SUMMERLAND KEY COVE ADD #6
Legal Block	1
Legal Lot Number	3
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1039
Census Tract	971502

Owner

648 Caribbean Dr E is owner-occupied and held in a trust since January 2021.

Source: Monroe County records, as of May 4, 2026

Owner of Record	Trust Name on File
Mailing Address	4436 BOUGANVILLA DR, MIMS, FL 32754-5034
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Living Trust

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

Date	Document
Mar 21, 2023	Intrafamily Transfer, Transfer ATTORNEY
Jan 6, 2023	Deed of Trust, Mortgage · Line of Credit SPACE COAST CU
Dec 30, 2022	Deed of Trust, Mortgage · Line of Credit SPACE COAST CU
Jan 15, 2021	Warranty Deed, Transfer · Conventional Mortgage HAMILTON HOME LOANS INC
Jul 28, 2020	Warranty Deed, Transfer · Conventional Mortgage JOHN S HICKSON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 15, 2021 · Amount on File
Deed Sale	Jan 15, 2021 · Amount on File
Prior Sale	Jul 28, 2020 · Amount on File
Deed Document Number	20212299803
Deed Book / Page	3069 / 1318
Record Updated	Oct 29, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Mar 21, 2023
Property Address	648 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4815
Document Number	0032160862
Book / Page	3216 / 862
Map Reference	MB 5 PG 41
Instrument Date	Mar 14, 2023
Instrument	2410610
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4436 BOUGANVILLA DR, MIMS, FL 32754-5034

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	4436 BOUGANVILLA DR, MIMS, FL 32754-5034

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	648 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4815
Transaction Type	Mortgage
Record Updated	Jan 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4815

Mortgage

Document Number	0032070825
Date	Jan 6, 2023
Book Page	3207/825
Instrument	2402588

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jan 5, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	648 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4815
Transaction Type	Mortgage
Record Updated	Jan 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4815

Mortgage

Document Number	0032062164
Date	Dec 30, 2022
Book Page	3206/2164
Instrument	2402199

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 29, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 15, 2021
Property Address	648 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4815
Document Number	0030691318
Book / Page	3069 / 1318
Map Reference	MB 5 PG 41
Instrument Date	Jan 15, 2021
Instrument	2299803
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	TRUE TITLE FLORIDA KEYS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,075.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	648 CARIBBEAN DR E, 648, SUGARLF SHRS, FL 33042-4815

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4815

Mortgage

Document Number	0030691320
Date	Jan 15, 2021
Instrument	3069/1320

Lender

Name	HAMILTON HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 28, 2020
Property Address	648 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4815
Document Number	0030340456
Book / Page	003034 / 000456
Instrument Date	Jul 25, 2020
Instrument	2274786
Transaction Type	Transfer
Record Updated	Sep 10, 2020
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,095.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 CARIBBEAN DR E SUMMERLAND KEY FL 330424815, SUMMERLAND KEY, FL 33042-4815

Mortgage

Document Number	30340458
Date	Jul 28, 2020
Book Page	003034/000458
Instrument	2274787

Lender

Name	JOHN S HICKSON
Address	660 CRUIKSHANK IS, SUMMERLAND KEY, FL 33042
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jul 27, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 648 Caribbean Dr E was $6,361 with a homeowner's exemption, up 5.6% from the year before.

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	$6,361.00 (+5.61%) Homeowner's exemption	$711,247	$1,005,887 Land $660,000 Building $345,887
2024	$6,023.00 (+4.13%)
2023	$5,784.00 (+2.84%) Homeowner's exemption	$671,071 (+3%)	$933,823 (+17.42%) Land $606,000 Building $327,823
2022	$5,624.00 Homeowner's exemption	$651,526	$795,266 Land $468,000 Building $327,266

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

Flood

FEMA maps place 648 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	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

The area around 648 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.

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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