Monroe County property record for 805 Caribbean Dr E, Summerland Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,320 sqft · built 2019 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $678,500 (May 2019) |
| Tax Bill | $7,443 (2024) |
| Deeds & Mortgages | Sep 2020 Mortgage May 2019 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00192560-000000 |
| Primary APN | 00192560-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,320 sqft Living Area |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Combination |
| 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 |
| Garage Type | Covered |
| Garage Area | 660 sqft |
| Porch | Open Porch |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 1254452 |
|---|---|
| Street Address | 805 CARIBBEAN DR E |
| City | SUMMERLAND KEY |
| State | FL |
| Zip | 33042-4841 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 5 LT 25 SUMMERLAND KEY COVE ADDITION NO 5 SUMMERLAND KEY PB5-40 OR650-268 OR800-1276 OR955-1959 OR1054-1925 OR2418-2247 OR2793-2040/41 OR2852-2060/61 OR2963-1704 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 35 |
| Legal Subdivision | SUMMERLAND KEY COVE ADD #5 |
| Legal Block | 5 |
| Legal Lot Number | 25 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 971502 |
805 Caribbean Dr E is owned and occupied by two individuals who bought it in May 2019.
Source: Monroe County records, as of March 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 805 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4841 |
| 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 |
|---|---|
| Sep 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage IBERIABANK |
| May 10, 2019 | Warranty Deed, Transfer · Conventional Mortgage IBERIABANK |
| May 5, 2017 | Warranty Deed, Transfer · Conventional with PMI CARRIE BABICH |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 10, 2019 · Amount on File |
| Deed Sale | May 10, 2019 · Amount on File |
| Prior Sale | May 5, 2017 · Amount on File |
| Deed Document Number | 20192219550 |
| Deed Book / Page | 2963 / 1704 |
| Prior Transfer Date | May 16, 2009 |
| Prior Transfer Doc | 0024182247 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 805 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4841 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 505 SUMMIT DR, POINT PLEASANT BORO, NJ 08742-2780 |
| Document Number | 0030462077 |
|---|---|
| Date | Sep 28, 2020 |
| Book Page | 3046/2077 |
| Instrument | 2283622 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 10, 2019 |
| Property Address | 805 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4841 |
| Document Number | 0029631704 |
| Book / Page | 2963 / 1704 |
| Map Reference | MB 5 PG 40 |
| Instrument Date | May 1, 2019 |
| Instrument | 2219550 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 439 SPRING ST, 439, HOUTZDALE, PA 16651-1702 |
| Name | Verified Name |
|---|---|
| Address | 805 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4841 |
| Document Number | 0029631706 |
|---|---|
| Date | May 10, 2019 |
| Instrument | 2963-1706 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 5, 2017 |
| Property Address | 805 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4841 |
| Document Number | 0028522060 |
| Book / Page | 002852 / 002060 |
| Instrument Date | May 1, 2017 |
| Instrument | 2121841 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,470.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 439 SPRING ST HOUTZDALE PA 166511702, HOUTZDALE, PA 16651-1702 |
| Document Number | 28522062 |
|---|---|
| Date | May 5, 2017 |
| Book Page | 002852/002062 |
| Instrument | 2121842 |
| Name | CARRIE BABICH |
|---|---|
| Address | PO BOX 5610, SNOWMASS VILLAGE, CO 81615-5610 |
| Special Notes | Seller Financed |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | May 4, 2022 |
| Rate | 5% |
|---|
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 | $884,644 | $1,032,724 Land $660,000 Building $372,724 | |
| 2024 | $7,443.00 (+3.84%) | ||
| 2023 | $7,168.00 (+2.81%) Homeowner's exemption | $834,673 (+3%) | $943,503 (+16.43%) Land $606,000 Building $337,503 |
| 2022 | $6,972.00 Homeowner's exemption | $810,363 Land $468,000 Building $342,363 | $810,363 Land $468,000 Building $342,363 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 805 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 | 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.
The area around 805 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.
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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