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

Monroe County property record for 655 E Shore Dr, Summerland Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,008 sqft · built 1973
Lot Size	0.272 acres (11,850 sqft)
Owner	Company Name on File
Flood Zone	Zone AE (high risk)
APN	`00197040-000100`

Property Details

APN / Parcel Number

Primary APN	`00197040-000100`
Alternative APN	`9105383`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1983
Exterior Material	Wood
Construction Type	Wood
Roof Type	Flat
Roof Material	Composition Shingle
Lot Area	11,850 sqft (0.272 acres)
Porch	Unfinished Open Porch
Porch Area	212 sqft

Location & Zoning

Account Number	9105383
Street Address	655 E SHORE DR
City	SUMMERLAND KEY
State	FL
Zip	33042-4533
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 21 AND PT LTS 25 & 26 SUMMERLAND BCH ADDN NO 1 PB3-20 SUMMERLAND KEY OR11-280 OR15-196 OR17-455 OR44-65 OR429-753/54 OR429-755/56 OR638-830 OR638-831 OR994-1728/29 OR1405-2138/39 OR2904-164/166 OR2907-1795/96 OR3215-0718 OR3290-1813
Legal Subdivision	SUMMERLAND BEACH ADD NO 1
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1027
Census Tract	971502

Owner

655 E Shore Dr, a single family home, is owned by a company.

Source: Monroe County records, as of April 21, 2026

Owner of Record	Company Name on File
Mailing Address	680 CRUIKSHANK IS, SUMMERLAND KEY, FL 33042-4852
Owner Type	Company
Vesting	Limited Liability Company

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	Name on Deed
Record Updated	Jun 8, 2026

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	Assessed Value	Assessed Market Value
2025	$773,590 Land $630,153 Building $143,437	$773,590 Land $630,153 Building $143,437

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

Flood

FEMA maps place 655 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	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 655 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