Monroe County property record for 715 Caribbean Dr E, Summerland Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,830 sqft · built 1975 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $800,000 (Dec 2022) |
| Tax Bill | $6,999 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Jun 2021 Mortgage + 6 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00192640-000000 |
| Primary APN | 00192640-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,830 sqft Living Area |
| 1st Floor Area | 1,830 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| View / Lot | Canal |
| Porch | Florida Room |
| Porch Area | 614 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|
| Account Number | 1254533 |
|---|---|
| Street Address | 715 CARIBBEAN DR E |
| City | SUMMERLAND KEY |
| State | FL |
| Zip | 33042-4842 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 5 LT 33 SUMMERLAND KEY COVE ADDITION 5 PB5-40 SUMMERLAND KEY OR572-801 OR549-830 OR811-377 OR874-1431 OR934-2170R/S OR951-2458 OR1109-552 OR1363-2249/50 OR1364-2294/2313F/J OR1390-252AFF OR1390-253 OR2181-1153/55 OR2625-1435 OR2989-240D/C OR2989-2 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 35 |
| Legal Subdivision | SUMMERLAND KEY COVE ADD #5 |
| Legal Block | 5 |
| Legal Lot Number | 33 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 971502 |
715 Caribbean Dr E is owned and occupied by two individuals who bought it in December 2022.
Source: Monroe County records, as of August 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 715 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4842 |
| 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 |
|---|---|
| Aug 13, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL LENDING |
| Jun 21, 2021 | Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC |
| Dec 27, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 27, 2022 | Quit Claim Deed, Transfer BAY2OCEAN TITLE SERVICES |
| Jul 24, 2020 | Intrafamily Transfer, Transfer · FHA Mortgage UNITED FIDELITY FUNDING CORP |
| Oct 11, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jun 20, 2019 | Loan Modification, Mortgage · Conventional Mortgage LAKEVIEW LN SERVICING |
| May 18, 2018 | Loan Modification, Mortgage · Conventional Mortgage LAKEVIEW LN SERVICING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 27, 2022 · Amount on File |
| Deed Sale | Dec 27, 2022 · Amount on File |
| Prior Sale | Jul 24, 2020 |
| Deed Document Number | 20222401634 |
| Deed Book / Page | 3206 / 504 |
| Prior Transfer Date | Jul 12, 1995 |
| Prior Transfer Doc | 1363002249 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 13, 2026 |
| Property Address | 715 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4842 |
| Document Number | 0002556265 |
| Book / Page | 3397 / 1094 |
| Instrument Date | Aug 5, 2026 |
| Instrument | 20262556265 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 715 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4842 |
| Document Number | 0002556265, |
|---|---|
| Date | Aug 13, 2026 |
| Book Page | 3397/1094 |
| Instrument | 20262556265 |
| Name | FIRST FEDERAL LENDING |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 715 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4842 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 715 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4842 |
| Document Number | 0031070311 |
|---|---|
| Date | Jun 21, 2021 |
| Book Page | 3107/311 |
| Instrument | 2326361 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | ENOSBURG FALLS, VT 05450 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Dec 27, 2022 |
| Property Address | 715 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4842 |
| Document Number | 0032060504 |
| Book / Page | 3206 / 504 |
| Map Reference | MB 5 PG 40 |
| Instrument Date | Dec 22, 2022 |
| Instrument | 2401634 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2023 |
| Title Company | BAY2OCEAN TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,600.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 715 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4842 |
| Name | Verified Name |
|---|---|
| Address | 715 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4842 |
| Document Number | 0003206505 |
|---|---|
| Date | Dec 27, 2022 |
| Instrument | 3206/505 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Dec 27, 2022 |
| Property Address | 715 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4842 |
| Document Number | 0032060503 |
| Book / Page | 3206 / 503 |
| Map Reference | MB 5 PG 40 |
| Instrument Date | Oct 17, 2022 |
| Instrument | 2401633 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2023 |
| Title Company | BAY2OCEAN TITLE SERVICES |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 397 CREEKWOOD DR, CHEROKEE RIDGE, AL 35175-7992 |
| Name | Verified Name |
|---|---|
| Address | 715 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4842 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 24, 2020 |
| Property Address | 715 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4842 |
| Document Number | 0030331593 |
| Book / Page | 3033 / 1593 |
| Map Reference | MB 5 PG 40 |
| Instrument Date | Jul 20, 2020 |
| Instrument | 2274392 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | ALLIANCE NTNWD TTL AGCY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 715 CARIBBEAN DR E # 715, 715, SUMMERLAND KEY, FL 33042-4842 |
| Document Number | 0030331596 |
|---|---|
| Date | Jul 24, 2020 |
| Instrument | 3033/1596 |
| Name | UNITED FIDELITY FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Oct 11, 2019 |
| Property Address | 715 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4842 |
| Document Number | 0029890241 |
| Book / Page | 002989 / 000241 |
| Instrument Date | Sep 2, 2019 |
| Instrument | 2240218 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 715 CARIBBEAN DR E SUMMERLAND KEY FL 330424842, SUMMERLAND KEY, FL 33042-4842 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 715 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4842 |
| Document Number | 0029751361 |
| Instrument Date | Jun 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 715 CARIBBEAN DR E SUMMERLAND KEY FL 330424842, SUMMERLAND KEY, FL 33042-4842 |
| Document Number | 0029751361 |
|---|---|
| Date | Jul 17, 2019 |
| Book Page | 002975/001361 |
| Instrument | 2229058 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Jul 16, 2059 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.5% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 715 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4842 |
| Document Number | 0029120338 |
| Instrument Date | May 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 715 CARIBBEAN DR E SUMMERLAND KEY FL 330424842, SUMMERLAND KEY, FL 33042-4842 |
| Document Number | 0029120338 |
|---|---|
| Date | Jun 18, 2018 |
| Book Page | 002912/000338 |
| Instrument | 2173865 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 17, 2043 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.5% |
The 2025 property tax bill for 715 Caribbean Dr E was $6,999 with a homeowner's exemption, up 5.6% from the year before.
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 | $6,999.00 (+5.58%) Homeowner's exemption | $785,155 | $887,098 Land $660,000 Building $227,098 |
| 2024 | $6,629.00 (+4%) | ||
| 2023 | $6,374.00 (+54.93%) Homeowner's exemption | $740,804 (+56.43%) | $821,356 (+14.51%) Land $606,000 Building $215,356 |
| 2022 | $4,114.00 Homeowner's exemption | $473,567 | $717,305 Land $468,000 Building $249,305 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 715 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 | 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 715 Caribbean Dr E 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 96% of the US · lower than 96% 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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