Monroe County property record for 920 Caribbean Dr E, Summerland Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,140 sqft · built 1988 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $27,000 (Mar 1987) |
| Tax Bill | $3,039 (2024) |
| Deeds & Mortgages | Sep 2025 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00192200-000000 |
| Primary APN | 00192200-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 3 Stories |
| Building Area | 2,140 sqft Living Area |
| 1st Floor Area | 1,892 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wood |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 7,500 sqft (0.172 acres) |
| Lot Dimensions | 125 ft deep x 60 ft wide |
| Garage Type | Covered |
| Garage Area | 588 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 848 sqft |
| Deck Area | 102 sqft |
| Patio Area | 714 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|
| Account Number | 1254070 |
|---|---|
| Street Address | 920 CARIBBEAN DR E |
| City | SUMMERLAND KEY |
| State | FL |
| Zip | 33042-4818 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 4 LT 16 SUMMERLAND KEY COVE ADDITION #5 PB5-40 SUMMERLAND KEY OR779-242 OR795-1127 OR1007-1837 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 35 |
| Legal Subdivision | SUMMERLAND KEY COVE ADD #5 |
| Legal Block | 4 |
| Legal Lot Number | 16 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 971502 |
920 Caribbean Dr E is owned and occupied by two individuals who acquired it in March 2025.
Source: Monroe County records, as of March 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 920 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4818 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 1987 · Amount on File |
| Deed Sale | Mar 1, 1987 · Amount on File |
| Prior Sale | Aug 1, 1979 · Amount on File |
| Deed Book / Page | 1007 / 1837 |
| Last Transfer Date | Mar 4, 2025 |
| Transfer Doc | 0033201295 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 920 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4818 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 920 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4818 |
| Document Number | 0033430161 |
|---|---|
| Date | Sep 2, 2025 |
| Book Page | 3343/161 |
| Instrument | 2513788 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | FLINT, MI 48501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2055 |
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 | $1,098,788 Land $717,750 Building $381,038 | $1,098,788 Land $717,750 Building $381,038 | |
| 2024 | $3,039.00 (+5.74%) | ||
| 2023 | $2,874.00 (+1.52%) Senior Citizen's exemption | $332,094 (+3%) | $1,040,415 (+16.18%) Land $659,025 Building $381,390 |
| 2022 | $2,831.00 Homeowner's exemption | $322,422 | $895,487 Land $508,950 Building $386,537 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 920 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 920 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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