623 Cuda Ln, Key Largo, FL 33037 Property Records

Monroe County property record for 623 Cuda Ln, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 884 sqft · built 1987
Lot Size	0.103 acres (4,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$555,000 (Dec 2018)
Tax Bill	$6,893 (2024)
Deeds & Mortgages	Apr 2020 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00483680-000000`

Property Details

APN / Parcel Number

Primary APN	`00483680-000000`
Alternative APNs	`13623800483680000000` `1593303`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	884 sqft Living Area
1st Floor Area	884 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	4,500 sqft (0.103 acres)
Lot Dimensions	75 ft deep x 60 ft wide
View / Lot	Canal
Garage Type	Covered
Garage Area	884 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	268 sqft
Deck Area	Deck Area
Patio Area	144 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1593303
Street Address	623 CUDA LN
City	KEY LARGO
State	FL
Zip	33037-3805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	LT 22 RAES CUDA CANAL SUBD KEY LARGO PB3-186 OR443-199 OR445-182 OR808-1359 OR949-226 OR1141-1360 OR1282-394C OR1965-245AFF OR2243-2258/59 OR2324-1437C/T OR2368-71 OR2400-1322/23 OR2942-0160
Legal Range	38E
Legal Township	62S
Legal Section	13
Legal Subdivision	RAES CUDA CANAL SUBD
Legal Lot Number	22
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1009
Census Tract	970600

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	2524 SW 104TH CT, MIAMI, FL 33165-2548
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2020	Deed of Trust, Mortgage · Conventional with PMI I3 LNDG
Dec 27, 2018	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2018 · Amount on Record
Deed Sale	Dec 27, 2018 · Amount on Record
Prior Sale	Feb 18, 2009 · Amount on Record
Deed Document Number	20182199679
Deed Book / Page	2942 / 160
Prior Transfer Date	Nov 15, 1993
Prior Transfer Doc	1282000394
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	623 CUDA LN, KEY LARGO, FL 33037-3805
Document Number	0030192210
Instrument Date	Apr 16, 2020
Transaction Type	Mortgage
Record Updated	Jul 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2524 SW 104TH CT MIAMI FL 331652548, MIAMI, FL 33165-2548

Mortgage

Document Number	0030192210
Date	Apr 28, 2020
Book Page	003019/002210
Instrument	2264351

Lender

Name	I3 LNDG
Address	LONGWOOD, FL 32750

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 27, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 27, 2018
Property Address	623 CUDA LN, KEY LARGO, FL 33037-3805
Document Number	0029420160
Book / Page	002942 / 000160
Instrument Date	Dec 21, 2018
Instrument	2199679
Transaction Type	Transfer
Record Updated	Jan 29, 2019
Title Company	CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,885.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2524 SW 104TH CT MIAMI FL 331652548, MIAMI, FL 33165-2548

Mortgage

Document Number	29420161
Date	Dec 27, 2018
Book Page	002942/000161
Instrument	2199680

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2048

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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		$886,853 (+19.05%) Land $550,800 Building $336,053	$886,853 (+19.05%) Land $550,800 Building $336,053
2024	$6,893.00 (+8.59%)
2023	$6,348.00 (+25.01%)	$744,937 (+26.57%) Land $564,570 Building $180,367	$744,937 (+26.57%) Land $564,570 Building $180,367
2022	$5,078.00	$588,580 Land $413,100 Building $175,480	$588,580 Land $413,100 Building $175,480

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

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 272 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	272 in force
Nearby Flood Claims	100 (1981–2024)
Claims Outside the SFHA	9 of 100
Most Recent Claim	May 2024 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 42 claims Hurricane Wilma, Oct 2005 · 37 claims Hurricane Andrew, Aug 1992 · 4 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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