Monroe County property record for 676 E Shore Dr, Summerland Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 870 sqft · built 1958 |
| Lot Size | 0.141 acres (6,143 sqft) |
| Owner | Individual Name on File |
| Last Sale | $305,000 (Feb 2020) |
| Tax Bill | $3,687 (2024) |
| Deeds & Mortgages | Jun 2022 Mortgage Feb 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00198360-000000 |
| Primary APN | 00198360-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 870 sqft Living Area |
| 1st Floor Area | 870 sqft |
| Flooring | Terrazzo |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,143 sqft (0.141 acres) |
| Patio Area | 80 sqft |
| Account Number | 1259969 |
|---|---|
| Street Address | 676 E SHORE DR |
| City | SUMMERLAND KEY |
| State | FL |
| Zip | 33042-4515 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | LT 8 SUMMERLAND BCH ADDN 6 SUMMERLAND KEY PB3-91 OR119-259/60 OR453-687 OR635-273 OR1057-2478 OR1474-336AFF OR1496-1650AFF OR2073-1185 OR2506-546/47 OR2539-958/59 OR3010-0702 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 36 |
| Legal Subdivision | SUMMERLAND BEACH ADD NO 6 |
| Legal Lot Number | 8 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 971502 |
676 E Shore Dr is owned and occupied by an individual who bought it in February 2020.
Source: Monroe County records, as of February 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 676 E SHORE DR, SUMMERLAND KEY, FL 33042-4515 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Jun 6, 2022 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 25, 2020 | Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 25, 2020 · Amount on File |
| Deed Sale | Feb 25, 2020 · Amount on File |
| Prior Sale | Feb 28, 2011 · Amount on File |
| Deed Document Number | 20202257227 |
| Deed Book / Page | 3010 / 702 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 676 E SHORE DR, SUMMERLAND KEY, FL 33042-4515 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 676 E SHORE DR, SUGARLOAF KEY, FL 33042-4515 |
| Document Number | 0031771715 |
|---|---|
| Date | Jun 6, 2022 |
| Book Page | 3177/1715 |
| Instrument | 2378499 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 333 Months |
| Due | Mar 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Feb 25, 2020 |
| Property Address | 676 E SHORE DR, SUMMERLAND KEY, FL 33042-4515 |
| Document Number | 0030100702 |
| Book / Page | 3010 / 702 |
| Map Reference | MB 3 PG 91 |
| Instrument Date | Feb 14, 2020 |
| Instrument | 2257227 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | PARAGON TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,135.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13 PALM DR, KEY WEST, FL 33040-6117 |
| Document Number | 0030100704 |
|---|---|
| Date | Feb 25, 2020 |
| Instrument | 3010/0704 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
Source: Monroe County assessment roll, as of December 8, 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 | $304,535 Land $179,130 Building $125,405 | $304,535 Land $179,130 Building $125,405 | |
| 2024 | $3,687.00 (+4.95%) | ||
| 2023 | $3,513.00 (+9.44%) Senior Citizen's exemption | $371,960 (+10.2%) Land $258,743 Building $113,217 | $371,960 (+10.2%) Land $258,743 Building $113,217 |
| 2022 | $3,210.00 | $337,524 Land $222,254 Building $115,270 | $337,524 Land $222,254 Building $115,270 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 676 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 |
|
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 676 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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