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

Monroe County property record for 970 Caribbean Dr E, Summerland Key, FL 33042

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,621 sqft · built 2002
Lot Size0.172 acres (7,500 sqft)
Owner2 Individual Names on File
Last Sale$1,800,000 (Oct 2021)
Tax Bill$14,147 (2024)
Deeds & MortgagesOct 2021 Sale
Jun 2019 Sale
Flood ZoneZone AE (high risk)
APN00192150-000000

Property Details

APN / Parcel Number

Primary APN00192150-000000
Alternative APNs
  • 35662800192150000000
  • 1254029

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area3,621 sqft Living Area
Gross Area4,024 sqft
1st Floor Area2,480 sqft
Basement Area881 sqft
FlooringConcrete/Cement
Interior WallsWood

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2020
Exterior MaterialStucco
Construction TypeFrame
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 Area403 sqft

Exterior Amenities

Pool Area275 sqft
PorchFlorida Room
Porch Area948 sqft
Deck Area520 sqft
Patio Area520 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Account Number1254029
Street Address970 CARIBBEAN DR E
CitySUMMERLAND KEY
StateFL
Zip33042-4818
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 4 LT 11 SUMMERLAND KEY COVE ADDITION #5 PB 5-40 SUMMERLAND KEY OR477-914 OR1079-1975 OR1757-947/48 OR2321-2272 OR2330-332/33 OR2972-0933 OR3130-2028
Legal Range28E
Legal Township66S
Legal Section35
Legal SubdivisionSUMMERLAND KEY COVE ADD #5
Legal Block4
Legal Lot Number11
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group1
Census Block1052
Census Tract971502

Owner

970 Caribbean Dr E is owned and occupied by two individuals who bought it in October 2021.

Source: Monroe County records, as of March 19, 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 Record2 Individual Names on File
Mailing Address970 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4818
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 12, 2021Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Jun 28, 2019Warranty Deed, Transfer
TRUE TITLE, TRUETITLE AGENCY INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 12, 2021 · Amount on File
Deed SaleOct 12, 2021 · Amount on File
Prior SaleJun 28, 2019 · Amount on File
Deed Document Number20212343509
Deed Book / Page3130 / 2028
Prior Transfer DateSep 14, 2007
Prior Transfer Doc0023300332
Record UpdatedJun 8, 2026

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateOct 12, 2021
Property Address970 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4818
Document Number0031302028
Book / Page3130 / 2028
Map ReferenceMB 5 PG 40
Instrument DateOct 5, 2021
Instrument2343509
Transaction TypeTransfer
Record UpdatedOct 27, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$12,600.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12151 MUSKET LN, 12151, FORT MYERS, FL 33912-1418

Transferred To (Grantee/Buyer)

NameVerified Name
Address29550 W CAHILL CT, BIG PINE KEY, FL 33043-3355

June 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJun 28, 2019
Property Address970 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4818
Document Number0029720933
Book / Page002972 / 000933
Instrument DateJun 26, 2019
Instrument2226555
Transaction TypeTransfer
Record UpdatedJul 16, 2019
Title CompanyTRUE TITLE, TRUETITLE AGENCY INC

Transaction

AmountAmount on Record
Tax$6,755.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address12151 MUSKET LN FORT MYERS FL 339121418, FORT MYERS, FL 33912-1418

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$1,666,229$1,875,592 Land $717,750 Building $1,157,842
2024$14,147.00 (+3.96%)
2023$13,608.00 (+3.62%) Homeowner's exemption$1,559,986 (+3.95%)$1,763,674 (+10.68%) Land $659,025 Building $1,104,649
2022$13,133.00 Homeowner's exemption$1,500,715$1,593,457 Land $508,950 Building $1,084,507

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

Flood

FEMA maps place 970 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 970 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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