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

Monroe County property record for 848 Caribbean Dr E, Summerland Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,016 sqft · built 1988
Lot Size	0.187 acres (8,125 sqft)
Owner	Individual Name on File
Last Sale	$900,000 (Sep 2022)
Tax Bill	$10,920 (2025)
Deeds & Mortgages	Sep 2022 Sale
Flood Zone	Zone AE (high risk)
APN	`00192240-000000`

Property Details

APN / Parcel Number

Primary APN	`00192240-000000`
Alternative APNs	`35662800192240000000` `1254126`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,016 sqft Living Area
1st Floor Area	2,016 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2012
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,125 sqft (0.187 acres)
Lot Dimensions	125 ft deep x 60 ft wide
View / Lot	Canal

Exterior Amenities

Porch	Open Porch
Porch Area	1,048 sqft
Deck Area	132 sqft
Patio Area	132 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	1254126
Street Address	848 CARIBBEAN DR E
City	SUMMERLAND KEY
State	FL
Zip	33042-4817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 4 NELY 5 FT LT 19 AND ALL LT 20 SUMMERLAND KEY COVE ADDN NO 5 PB5-40 OR504-1074 OR563-360 OR789-930 OR1424-1122 OR1784-778T/D OR1934-1023/41F/J OR1959-1268/69Q/C OR1959-1270/71Q/C OR2003-1630/31 OR2003-1634/35 OR2474-516/17 OR3193-2136
Legal Range	28E
Legal Township	66S
Legal Section	35
Legal Subdivision	SUMMERLAND KEY COVE ADD #5
Legal Block	4
Legal Lot Number	19,20
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1039
Census Tract	971502

Owner

848 Caribbean Dr E is owned by an individual who bought it in September 2022.

Source: Monroe County records, as of June 9, 2026

Owner of Record	Individual Name on File
Mailing Address	1591 STATE ROAD 4A, SUMMERLAND KEY, FL 33042-5710
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2022 · Amount on File
Deed Sale	Sep 13, 2022 · Amount on File
Prior Sale	Jul 8, 2010 · Amount on File
Deed Document Number	20222391164
Deed Book / Page	3193 / 2136
Prior Transfer Date	May 7, 2004
Prior Transfer Doc	0001443768
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 13, 2022
Property Address	848 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4817
Document Number	0031932136
Book / Page	3193 / 2136
Map Reference	MB 5 PG 40
Instrument Date	Sep 9, 2022
Instrument	2391164
Transaction Type	Transfer
Record Updated	Oct 3, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$6,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	833 HOLLY BERRY LN, 833, BRICK, NJ 08724-5127

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1591 STATE ROAD 4A, LITTLE TORCH KEY, FL 33042-5710

Tax Assessment & Valuation

The 2025 property tax bill for 848 Caribbean Dr E was $10,920, up 12.4% from the year before.

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	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,920.00 (+12.39%)	$1,171,069 Land $741,813 Building $429,256	$1,171,069 Land $741,813 Building $429,256
2024	$9,716.00 (-3%)
2023	$10,017.00 (+35.55%)	$1,094,185 (+19.34%) Land $681,119 Building $413,066	$1,094,185 (+19.34%) Land $681,119 Building $413,066
2022	$7,390.00	$916,830 Land $526,013 Building $390,817	$916,830 Land $526,013 Building $390,817

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

Flood

FEMA maps place 848 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	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

The area around 848 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.

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