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

Monroe County property record for 940 Caribbean Dr E, Summerland Key, FL 33042

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 2,062 sqft · built 1972
Lot Size0.172 acres (7,500 sqft)
Owner2 Individual Names on File
Last Sale$545,000 (Jan 2020)
Tax Bill$7,308 (2024)
Deeds & MortgagesJan 2020 Sale & Mortgage
Jun 2019 Sale
Flood ZoneZone AE (high risk)
APN00192180-000000

Property Details

APN / Parcel Number

Primary APN00192180-000000
Alternative APNs
  • 35662800192180000000
  • 1254053

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area2,062 sqft Living Area
Gross Area2,302 sqft
1st Floor Area2,062 sqft
Basement Area360 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1972
Effective Year BuiltEffective 2005
Exterior MaterialConcrete Block
Construction TypeConcrete Block
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 Area240 sqft
PorchFlorida Room
Porch Area1,074 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1254053
Street Address940 CARIBBEAN DR E
CitySUMMERLAND KEY
StateFL
Zip33042-4818
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 4 LT 14 SUMMERLAND KEY COVE ADDITION 5 PB5-40 SUMMERLAND KEY OR498-298 OR837-1515 OR2970-0828 OR3005-0242
Legal Range28E
Legal Township66S
Legal Section35
Legal SubdivisionSUMMERLAND KEY COVE ADD #5
Legal Block4
Legal Lot Number14
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group1
Census Block1052
Census Tract971502

Owner

940 Caribbean Dr E is owned and occupied by two individuals who bought it in January 2020.

Source: Monroe County records, as of March 19, 2026

Owner of Record2 Individual Names on File
Mailing Address940 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4818
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jan 24, 2020Deed, Transfer · Conventional Mortgage
FIRST NATIONAL BANK OF PENNSYLVANIA
Jun 14, 2019Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 24, 2020 · Amount on File
Deed SaleJan 24, 2020 · Amount on File
Prior SaleJun 14, 2019 · Amount on File
Deed Document Number20202253131
Deed Book / Page3005 / 242
Prior Transfer DateMay 16, 2019
Prior Transfer Doc0029700828
Record UpdatedJun 8, 2026

January 2020: Deed, Transfer

Document TypeDeed
JurisdictionMONROE FL
Recording DateJan 24, 2020
Property Address940 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4818
Document Number0030050242
Book / Page3005 / 0242
Map ReferenceMB 5 PG 40
Instrument DateJan 22, 2020
Instrument2253131
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,815.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3228 MOUNT ZION RD, 3228, UPPERCO, MD 21155-9479

Transferred To (Grantee/Buyer)

NameVerified Name
Address615 CAROLINA BEACH AVE N, CAROLINA BEACH, NC 28428-6016

Mortgage

Document Number0030050244
DateJan 24, 2020
Instrument3005/0244
Lender
NameFIRST NATIONAL BANK OF PENNSYLVANIA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2050

June 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMONROE FL
Recording DateJun 14, 2019
Property Address940 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4818
Document Number0029700828
Book / Page002970 / 000828
Instrument DateMay 16, 2019
Instrument2224878
Transaction TypeTransfer
Record UpdatedJul 9, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$0.70
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address940 CARIBBEAN DR E SUMMERLAND KEY FL 330424818, SUMMERLAND KEY, FL 33042-4818

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$831,198$977,316 Land $717,750 Building $259,566
2024$7,308.00 (+3.75%)
2023$7,044.00 (+2.7%) Homeowner's exemption$784,246 (+3%)$906,961 (+19.12%) Land $659,025 Building $247,936
2022$6,859.00 Homeowner's exemption$761,404 Land $508,950 Building $252,454$761,404 Land $508,950 Building $252,454

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

Flood

FEMA maps place 940 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 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 File
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

The area around 940 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 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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