849 E Shore Dr, Summerland Key, FL 33042 Property Records

Monroe County property record for 849 E Shore Dr, Summerland Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,489 sqft · built 2001
Lot Size	0.133 acres (5,812 sqft)
Owner	2 Individual Names on File
Last Sale	$630,000 (Jul 2021)
Tax Bill	$5,591 (2024)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00198130-000000`

Property Details

APN / Parcel Number

Primary APN	`00198130-000000`
Alternative APNs	`36662800198130000000` `1259748`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,489 sqft Living Area
Gross Area	1,937 sqft
1st Floor Area	1,333 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,812 sqft (0.133 acres)
Garage Type	Attached
Garage Area	448 sqft
Porch	Florida Room
Porch Area	346 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1259748
Street Address	849 E SHORE DR
City	SUMMERLAND KEY
State	FL
Zip	33042-4510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	LT 2 SUMMERLAND BCH ADDN #5 SUMMERLAND KEY PB 3-82 LOT 2 OR120-255/256 OR811-1774 OR1436-93 OR1466-1257 OR1812-1211 OR2357-2306/07TR OR2811-556/57 OR3109-1425
Legal Range	28E
Legal Township	66S
Legal Section	36
Legal Subdivision	SUMMERLAND BEACH ADD NO 5
Legal Lot Number	2
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1035
Census Tract	971502

Owner

849 E Shore Dr is owned and occupied by two individuals who bought it in July 2021.

Source: Monroe County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	849 E SHORE DR, SUMMERLAND KEY, FL 33042-4510
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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	2 Names on Deed
Last Sale	Jul 1, 2021 · Amount on File
Deed Sale	Jul 1, 2021 · Amount on File
Prior Sale	Aug 17, 2016 · Amount on File
Deed Document Number	20212328226
Deed Book / Page	3109 / 1425
Prior Transfer Date	Apr 23, 2008
Prior Transfer Doc	0023572306
Record Updated	Sep 20, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 1, 2021
Property Address	849 E SHORE DR, SUMMERLAND KEY, FL 33042-4510
Document Number	0031091425
Book / Page	3109 / 1425
Map Reference	MB 3 PG 82
Instrument Date	Jun 28, 2021
Instrument	2328226
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Tax	$4,410.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	411 WALNUT ST # 18217, 411, GREEN COVE SPRINGS, FL 32043-3443

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	849 E SHORE DR, SUMMRLND KEY, FL 33042-4510

Mortgage

Document Number	0031091427
Date	Jul 1, 2021
Instrument	3109/1427

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Mortgage

Document Number	0031110944
Date	Jul 12, 2021
Book Page	3111/944
Instrument	2329378

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

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		$510,969 Land $171,047 Building $339,922	$510,969 Land $171,047 Building $339,922
2024	$5,591.00 (+6.41%)
2023	$5,254.00 (+5.97%)	$566,966 (+6.61%) Land $247,068 Building $319,898	$566,966 (+6.61%) Land $247,068 Building $319,898
2022	$4,958.00	$531,802 Land $212,225 Building $319,577	$531,802 Land $212,225 Building $319,577

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

Flood

FEMA maps place 849 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	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 849 E Shore Dr 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 22 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

May also be available: T-Mobile.

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