Monroe County property record for 919 Caribbean Dr E, Summerland Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,876 sqft · built 1990 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,848 (2024) |
| Deeds & Mortgages | Jun 2019 Loan Modification Jan 2019 Loan Modification + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00192480-000000 |
| Primary APN | 00192480-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,876 sqft Living Area |
| Gross Area | 2,464 sqft |
| 1st Floor Area | 1,876 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wood |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 588 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 336 sqft |
| Patio Area | 294 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|
| Account Number | 1254371 |
|---|---|
| Street Address | 919 CARIBBEAN DR E |
| City | SUMMERLAND KEY |
| State | FL |
| Zip | 33042-4821 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 5 LT 17 SUMMERLAND KEY COVE ADDITION 5 PB5-40 SUMMERLAND KEY OR605-396 OR648-799 OR1051-1144 OR2314-1127D/C OR2314-1131D/C OR2349-1515 OR2349-1517 OR3290-2194 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 35 |
| Legal Subdivision | SUMMERLAND KEY COVE ADD #5 |
| Legal Block | 5 |
| Legal Lot Number | 17 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 971502 |
919 Caribbean Dr E is owned and occupied by two individuals who acquired it in April 2018.
Source: Monroe County records, as of March 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 919 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4821 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 19, 2019 | Loan Modification, Mortgage · Conventional Mortgage US SMALL BUSN ADMN |
| Jan 17, 2019 | Loan Modification, Mortgage · Conventional Mortgage US SMALL BUSINESS ADMINISTRATI |
| Dec 14, 2017 | Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 2018 |
| Deed Sale | Apr 20, 2018 |
| Prior Sale | May 1, 1988 |
| Deed Document Number | 20182165260 |
| Deed Book / Page | 2902 / 1139 |
| Transfer Doc | 0002165260 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 919 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4821 |
| Document Number | 0029720332 |
| Instrument Date | Jun 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 919 CARIBBEAN DR E SUMMERLAND KEY FL 330424821, SUMMERLAND KEY, FL 33042-4821 |
| Document Number | 0029720332 |
|---|---|
| Date | Jun 26, 2019 |
| Book Page | 002972/000332 |
| Instrument | 2226359 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Jun 25, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 919 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4821 |
| Document Number | 0029460843 |
| Instrument Date | Jan 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 919 CARIBBEAN DR E SUMMERLAND KEY FL 330424821, SUMMERLAND KEY, FL 33042-4821 |
| Document Number | 0029460843 |
|---|---|
| Date | Jan 28, 2019 |
| Book Page | 002946/000843 |
| Instrument | 2203409 |
| Name | US SMALL BUSINESS ADMINISTRATI |
|---|---|
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Jan 27, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 919 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4821 |
| Document Number | 0028940257 |
| Instrument Date | Dec 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 919 CARIBBEAN DR E SUMMERLAND KEY FL 330424821, SUMMERLAND KEY, FL 33042-4821 |
| Document Number | 0028940257 |
|---|---|
| Date | Mar 1, 2018 |
| Book Page | 002894/000257 |
| Instrument | 2157600 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 29, 2048 |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $530,777 | $1,134,628 Land $660,000 Building $474,628 | |
| 2024 | $4,848.00 (+4.35%) | ||
| 2023 | $4,646.00 (+2.7%) Homeowner's exemption | $500,796 (+3%) | $1,056,943 (+15.01%) Land $606,000 Building $450,943 |
| 2022 | $4,524.00 Homeowner's exemption | $486,210 | $918,986 Land $468,000 Building $450,986 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 919 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 |
|
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.
The area around 919 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.
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 |
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