861 Flagship Dr, Summerland Key, FL 33042 Property Records

Monroe County property record for 861 Flagship Dr, Summerland Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,682 sqft · built 1981
Lot Size	0.228 acres (9,943 sqft)
Owner	2 Company Names on Record
Last Sale	$1,499,000 (Nov 2021)
Tax Bill	$14,164 (2024)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jul 2017 Sale
Flood Zone	Zone AE (high risk)
APN	`00198931-000100`

Property Details

APN / Parcel Number

Primary APN	`00198931-000100`
Alternative APNs	`35662800198931000100` `1260533`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,682 sqft Living Area
1st Floor Area	1,682 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2021
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,943 sqft (0.228 acres)
Garage Area	247 sqft

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	508 sqft
Patio Area	36 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	1260533
Old Parcel Number	35662800198931000100
Street Address	861 FLAGSHIP DR
City	SUMMERLAND KEY
State	FL
Zip	33042-4826
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1 LT 1 SUMMERLAND COVE ISLES SUMMERLAND KEY PB6-32 OR492-504 OR1375-2459 OR2863-1659 OR3139-2264
Legal Range	28E
Legal Township	66S
Legal Section	35
Legal Subdivision	SUMMERLAND COVE ISLES BLK 1
Legal Block	1
Legal Lot Number	1
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1042
Census Tract	971502

Owner

Source: Monroe County records, as of December 5, 2025

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

Owner of Record	2 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	861 FLAGSHIP DR, SUMMERLAND KEY, FL 33042-4826
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF THE FLORIDA KEY
Jul 10, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Nov 29, 2021 · Amount on Record
Deed Sale	Nov 29, 2021 · Amount on Record
Prior Sale	Jul 10, 2017 · Amount on Record
Deed Document Number	2350314
Deed Book / Page	3139 / 2264
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 29, 2021
Property Address	861 FLAGSHIP DR, SUMMERLAND KEY, FL 33042-4826
Document Number	0031392264
Book / Page	3139 / 2264
Map Reference	MB 6 PG 32
Instrument Date	Nov 22, 2021
Instrument	2350314
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	GULF COAST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,493.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	170 KALMIA DR, 170, ASHEVILLE, NC 28804-1954

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1502 JONES ST APT 201, 201, OMAHA, NE 68102-3125

Mortgage

Document Number	0031392266
Date	Nov 29, 2021
Instrument	3139/2266

Lender

Name	FIRST STATE BANK OF THE FLORIDA KEY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 10, 2017
Property Address	861 FLAGSHIP DR, SUMMERLAND KEY, FL 33042-4826
Document Number	0028631659
Book / Page	002863 / 001659
Instrument Date	Jul 7, 2017
Instrument	2130544
Transaction Type	Transfer
Record Updated	Jul 26, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$4,095.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	170 KALMIA DR ASHEVILLE NC 288041954, ASHEVILLE, NC 28804-1954

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$1,527,397 (+1.62%) Land $847,438 Building $679,959	$1,527,397 (+1.62%) Land $847,438 Building $679,959
2024	$14,164.00 (+14.75%)
2023	$12,343.00 (+13.35%)	$1,502,988 (+22.13%) Land $853,778 Building $649,210	$1,502,988 (+22.13%) Land $853,778 Building $649,210
2022	$10,889.00	$1,230,612 Land $576,934 Building $653,678	$1,230,612 Land $576,934 Building $653,678

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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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 144 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: Hotwire Communications.

Nearby Properties on Flagship Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures