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

Monroe County property record for 989 Caribbean Dr E, Summerland Key, FL 33042

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,666 sqft · built 1999
Lot Size0.276 acres (12,000 sqft)
Owner2 Trust Names on File
Last Sale$750,000 (Feb 2015)
Tax Bill$10,260 (2024)
Deeds & MortgagesJan 2026 Transfer
Apr 2024 Transfer
Flood ZoneZone AE (high risk)
APN00192410-000000

Property Details

APN / Parcel Number

Primary APN00192410-000000
Alternative APNs
  • 35662800192410000000
  • 1254304

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,666 sqft Living Area
1st Floor Area1,666 sqft
FlooringConcrete/Cement
Interior WallsMasonry

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 2016
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area12,000 sqft (0.276 acres)
Lot Dimensions100 ft deep x 120 ft wide
View / LotCanal
Garage TypeCovered
Garage Area520 sqft

Exterior Amenities

PorchOpen Porch
Porch Area800 sqft
Deck Area48 sqft
Patio Area48 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Account Number1254304
Street Address989 CARIBBEAN DR E
CitySUMMERLAND KEY
StateFL
Zip33042-4821
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionSUMMERLAND KEY COVE ADDITION #5 PB5-40 SUMMERLAND KEY LOT 10 & 11 BLK 5 OR481-190 OR806-744 OR1408-1454 OR1432-982 OR1439-2328 RE 19242 COMBINED FOR ASSMT PURPOSES 4-17-00 OR2052-843 OR2553-2174 OR2723-455 OR3271-2046
Legal Range28E
Legal Township66S
Legal Section35
Legal SubdivisionSUMMERLAND KEY COVE ADD #5
Legal Block5
Legal Lot Number10,11
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group1
Census Block1052
Census Tract971502

Owner

989 Caribbean Dr E is held in a trust since April 2024.

Source: Monroe County records, as of January 30, 2026

Owner of Record2 Trust Names on File
Mailing Address70 W 52ND ST, HIALEAH, FL 33012-3745
Owner TypeCompany
VestingTrust, Family Trust

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 21, 2026Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Apr 17, 2024Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 4, 2015 · Amount on File
Deed SaleFeb 4, 2015 · Amount on File
Prior SaleFeb 2, 2012 · Amount on File
Deed Document Number20152014476
Deed Book / Page2723 / 455
Last Transfer DateApr 17, 2024
Transfer Doc0032712046
Record UpdatedJun 8, 2026

January 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateJan 21, 2026
Property Address989 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4821
Document Number0033622064
Book / Page3362 / 2064
Map ReferenceMB 5 PG 40
Instrument DateJan 20, 2026
Instrument2529150
Transaction TypeTransfer
Record UpdatedFeb 6, 2026
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address70 W 52ND ST, HIALEAH, FL 33012-3745

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address70 W 52ND ST, HIALEAH, FL 33012-3745

April 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateApr 17, 2024
Property Address989 CARIBBEAN DR E, SUMMERLAND KEY, FL 33042-4821
Document Number0032712046
Book / Page3271 / 2046
Map ReferenceMB 5 PG 40
Instrument DateApr 17, 2024
Instrument2458420
Transaction TypeTransfer
Record UpdatedMay 21, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address70 W 52ND ST, HIALEAH, FL 33012-3745

Transferred To (Grantee/Buyer)

NameVerified Name
Address70 W 52ND ST, HIALEAH, FL 33012-3745

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$1,371,178 Land $884,400 Building $486,778$1,371,178 Land $884,400 Building $486,778
2024$10,260.00 (+4.51%)
2023$9,817.00 (+11.04%)$1,280,728 (+16.14%) Land $812,040 Building $468,688$1,280,728 (+16.14%) Land $812,040 Building $468,688
2022$8,841.00$1,102,732 Land $627,120 Building $475,612$1,102,732 Land $627,120 Building $475,612

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

Flood

FEMA maps place 989 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 Elevation8.0 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 989 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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