1206 Cactus St, Key Largo, FL 33037 Property Records

Monroe County property record for 1206 Cactus St, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,461 sqft · built 1979
Lot Size	0.17 acres (7,440 sqft)
Owner	Individual Name on Record
Last Sale	$1,500,000 (Jul 2022)
Tax Bill	$11,733 (2024)
Deeds & Mortgages	Jul 2022 Sale Nov 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00520080-000000`

Property Details

APN / Parcel Number

Primary APN	`00520080-000000`
Alternative APNs	`05623900520080000000` `1639320`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,461 sqft Living Area
1st Floor Area	2,461 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2010
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Pile
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	7,440 sqft (0.17 acres)
Lot Dimensions	124 ft deep x 60 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	690 sqft
Deck Area	1,200 sqft
Patio Area	1,480 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1639320
Old Parcel Number	05623900520080000000
Street Address	1206 CACTUS ST
City	KEY LARGO
State	FL
Zip	33037-4125
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 7 LT 4 ROCK HARBOR EST PB3-187 KEY LARGO OR611-610 OR611-611 OR611-617 OR766-1749 OR1058-1765 OR1271-1636T/C OR1497-284/85
Legal Range	39E
Legal Township	62S
Legal Section	05
Legal Subdivision	ROCK HARBOR ESTATE
Legal Block	7
Legal Lot Number	4
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2048
Census Tract	970500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within John Pennekamp Coral Reef State Park and Reserve listed 1972 · 10 contributing resources · NRIS 72000340

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Monroe County records, as of December 5, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1206 CACTUS ST, KEY LARGO, FL 33037-4125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Warranty Deed, Transfer SUMMERLAND TITLE LLC
Nov 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Dec 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Mar 14, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2022 · Amount on Record
Deed Sale	Jul 8, 2022 · Amount on Record
Prior Sale	Mar 14, 2019 · Amount on Record
Deed Document Number	2382922
Deed Book / Page	3183 / 1065
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 8, 2022
Property Address	1206 CACTUS ST, KEY LARGO, FL 33037-4125
Document Number	0031831065
Book / Page	3183 / 1065
Map Reference	MB 3 PG 187
Instrument Date	Mar 15, 2022
Instrument	2382922
Transaction Type	Transfer
Record Updated	Aug 4, 2022
Title Company	SUMMERLAND TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$10,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1206 CACTUS ST, 1206, KEY LARGO, FL 33037-4125

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1206 CACTUS ST, KEY LARGO, FL 33037-4125

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1206 CACTUS ST, KEY LARGO, FL 33037-4125
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST INTERNATIONAL TTL INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1206 CACTUS ST, KEY LARGO, FL 33037-4125

Mortgage

Document Number	0030541278
Date	Nov 2, 2020
Book Page	3054/1278
Instrument	2289308

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1206 CACTUS ST, KEY LARGO, FL 33037-4125
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029990495
Date	Dec 16, 2019
Book Page	2999/0495
Instrument	2248447

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 14, 2019
Property Address	1206 CACTUS ST, KEY LARGO, FL 33037-4125
Document Number	0029531490
Book / Page	2953 / 1490
Map Reference	MB 3 PG 187
Instrument Date	Mar 7, 2019
Instrument	2210834
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	CORAL REEF TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,145.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 POMPANO AVE, KEY LARGO, FL 33037-2918

Mortgage

Document Number	0002210835
Date	Mar 14, 2019
Instrument	2210835

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,432,212 (+7.88%) Land $855,600 Building $576,612	$1,432,212 (+7.88%) Land $855,600 Building $576,612
2024	$11,733.00 (+3.82%)
2023	$11,301.00 (+170.94%)	$1,327,598 (+173.09%) Land $714,240 Building $613,358	$1,327,598 (+52.89%) Land $714,240 Building $613,358
2022	$4,171.00 Homeowner's exemption	$486,134	$868,356 Land $422,220 Building $446,136

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 595 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	839 units insured incl. 244 condo units
Nearby Flood Claims	304 (1983–2025)
Claims Outside the SFHA	8 of 304
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 221 claims Hurricane Irene, Oct 1999 · 24 claims Hurricane Georges, Sep 1998 · 24 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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