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

Monroe County property record for 838 Caribbean Dr E, Summerland Key, FL 33042

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,070 sqft · built 1984
Lot Size0.172 acres (7,500 sqft)
OwnerCompany Name on Record
Last Sale$550,000 (Jul 2019)
Tax Bill$6,961 (2024)
Deeds & MortgagesMar 2023 Line of Credit
Jul 2019 Sale
+ 2 more
Flood ZoneZone AE (high risk)
APN00192250-000000

Property Details

APN / Parcel Number

Primary APN00192250-000000
Alternative APN
  • 1254134

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories3 Stories
Building Area2,070 sqft Living Area
Gross Area2,448 sqft
1st Floor Area1,512 sqft
AtticAttic
Attic Area360 sqft
Basement Area378 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 2005
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Foundation TypePile
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area7,500 sqft (0.172 acres)
Lot Dimensions125 ft deep x 60 ft wide
View / LotCanal
Garage TypeAttached
Garage Area378 sqft

Exterior Amenities

PorchOpen Porch
Porch Area848 sqft
Patio Area558 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemWall Unit
Heating SystemForced Air with A/C

Location & Zoning

Account Number1254134
Street Address838 CARIBBEAN DR E
CitySUMMERLAND KEY
StateFL
Zip33042-4817
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 4 LT 21 SUMMERLAND KEY COVE ADDITION #5 PB5-40 SUMMERLAND KEY OR753-362 OR1405-139/46EST-PROB #96-113-CP-10 OR1471-648/54EST-PROB #97-212-CP-10 OR1475-2196/98PET OR1532-19/20TR OR1665-1351/52 OR1665-1345/50AFF/TRUST OR2851-2217/18L/E OR2928-959 OR
Legal Range28E
Legal Township66S
Legal Section35
Legal SubdivisionSUMMERLAND KEY COVE ADD #5
Legal Block4
Legal Lot Number21
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group1
Census Block1039
Census Tract971502

Owner

Source: Monroe County records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing Address2856 NE 35TH CT, FORT LAUDERDALE, FL 33308-5816
Owner TypeCompany
VestingLimited Liability Company

Deeds, Mortgages & Sale History

DateDocument
Mar 22, 2023Deed of Trust, Mortgage · Line of Credit
AMERICAN NATIONAL BANK & TRUST
Jul 19, 2019Warranty Deed, Transfer
LAWYERS FIRST TITLE COMPANY, LAWYERS FIRST TITLE CO
Sep 24, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY
May 1, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 19, 2019 · Amount on Record
Deed SaleJul 19, 2019 · Amount on Record
Prior SaleSep 24, 2018 · Amount on Record
Deed Document Number20192229337
Deed Book / Page2975 / 2297
Prior Transfer DateSep 14, 2018
Prior Transfer Doc0000007768
Record UpdatedOct 29, 2026

March 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address838 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4817
Transaction TypeMortgage
Record UpdatedApr 3, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address2856 NE 35TH CT, FORT LAUDERDALE, FL 33308-5816

Mortgage

Document Number0032161161
DateMar 22, 2023
Book Page3216/1161
Instrument2410767
Lender
NameAMERICAN NATIONAL BANK & TRUST
TypeBank
AddressFORT LAUDERDALE, FL 33308
Agreement
TypeLine of Credit
AmountAmount Recorded
Term72 Months
DueMar 17, 2029

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJul 19, 2019
Property Address838 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4817
Document Number0029752297
Book / Page002975 / 002297
Instrument DateJul 18, 2019
Instrument2229337
Transaction TypeTransfer
Record UpdatedAug 1, 2019
Title CompanyLAWYERS FIRST TITLE COMPANY, LAWYERS FIRST TITLE CO

Transaction

AmountAmount Recorded
Tax$3,850.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address838 CARIBBEAN DR E SUMMERLAND KEY FL 330424817, SUMMERLAND KEY, FL 33042-4817

September 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateSep 24, 2018
Property Address838 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4817
Document Number0029280959
Book / Page002928 / 000959
Instrument DateSep 14, 2018
Instrument2187768
Transaction TypeTransfer
Record UpdatedOct 30, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address838 CARIBBEAN DR E SUMMERLAND KEY FL 330424817, SUMMERLAND KEY, FL 33042-4817

May 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateMay 1, 2017
Property Address838 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4817
Document Number0028512217
Book / Page002851 / 002217
Instrument DateApr 27, 2017
Instrument2121111
Transaction TypeTransfer
Record UpdatedJun 13, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address838 CARIBBEAN DR E SUMMERLAND KEY FL 330424817, SUMMERLAND KEY, FL 33042-4817

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$994,253 (+8.01%) Land $717,750 Building $276,503$994,253 (+8.01%) Land $717,750 Building $276,503
2024$6,961.00 (+4.43%)
2023$6,666.00 (+12.6%)$920,536 (+19.75%) Land $659,025 Building $261,511$920,536 (+19.75%) Land $659,025 Building $261,511
2022$5,920.00$768,724 Land $508,950 Building $259,774$768,724 Land $508,950 Building $259,774

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 454 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies454 in force
Nearby Flood Claims828 (1998–2022)
Claims Outside the SFHA2 of 828
Most Recent ClaimSep 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 216 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		1,200 / 35

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