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

Monroe County property record for 858 Caribbean Dr E, Summerland Key, FL 33042

Property Summary

Property TypeSingle Family Home
Details2 bd · 4 ba · 1,595 sqft · built 1996
Lot Size0.172 acres (7,500 sqft)
OwnerIndividual Name on Record
Last Sale$455,000 (Nov 2012)
Tax Bill$8,670 (2025)
Deeds & MortgagesJun 2026 Mortgage
Flood ZoneZone AE (high risk)
APN00192220-000000

Property Details

APN / Parcel Number

Primary APN00192220-000000
Alternative APNs
  • 35662800192220000000
  • 1254096

Interior

Bedrooms2 Beds
Full Baths4 Baths
Half Baths4 Half Baths
Stories2 Stories
Building Area1,595 sqft Living Area
Gross Area2,001 sqft
1st Floor Area1,189 sqft
AtticAttic
Attic Area580 sqft
Basement Area406 sqft
FlooringConcrete/Cement
Interior WallsMasonry

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 2013
Exterior MaterialAluminum/Vinyl
Construction TypeWood
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 Area406 sqft

Exterior Amenities

PorchOpen Porch
Porch Area751 sqft
Deck Area270 sqft
Patio Area462 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Account Number1254096
Street Address858 CARIBBEAN DR E
CitySUMMERLAND KEY
StateFL
Zip33042-4817
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 4 LT 18 SUMMERLAND KEY COVE ADDITION 5 PB5-40 SUMMERLAND KEY OR684-863/64 OR1012-294D/C OR1323-426 OR1323-430AFF OR1371-5 OR1545-901/02 OR1557-1039/53F/J OR1611-1676 OR1860-722 OR2320-1862D/C OR2599-1002
Legal Range28E
Legal Township66S
Legal Section35
Legal SubdivisionSUMMERLAND KEY COVE ADD #5
Legal Block4
Legal Lot Number18
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group1
Census Block1052
Census Tract971502

Owner

Source: Monroe County records, as of June 24, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address858 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4817
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 20, 2012 · Amount on Record
Deed SaleNov 20, 2012 · Amount on Record
Prior SaleFeb 21, 2003 · Amount on Record
Deed Document Number20121908160
Deed Book / Page2599 / 1002
Prior Transfer DateSep 18, 1995
Prior Transfer Doc1371000005
Record UpdatedOct 29, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Recording DateJun 9, 2026
Property Address858 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4817
Document Number0002546722
Book / Page3385 / 728
Instrument DateJun 4, 2026
Instrument20262546722
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address858 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4817

Mortgage

Document Number0002546722,
DateJun 9, 2026
Book Page3385/728
Instrument20262546722
Lender
NameKEYS FEDERAL CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2056
Interest
Rate TypeFixed Rate
Rate6.37%
Initial TypeFixed Rate
Max Rate-1%

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$8,670.00 (+12.64%)$1,037,892 (+7.19%) Land $717,750 Building $320,142$1,037,892 (+7.19%) Land $717,750 Building $320,142
2024$7,697.00 (+4.1%)
2023$7,394.00 (+11.52%)$968,282 (+18.28%) Land $659,025 Building $309,257$968,282 (+18.28%) Land $659,025 Building $309,257
2022$6,630.00$818,632 Land $508,950 Building $309,682$818,632 Land $508,950 Building $309,682

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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