627 Cabrera St, Key Largo, FL 33037 Property Records

Monroe County property record for 627 Cabrera St, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,145 sqft · built 2020
Lot Size	0.197 acres (8,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Jul 2017)
Tax Bill	$7,085 (2024)
Deeds & Mortgages	Nov 2018 Construction Loan Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`00466600-000000`

Property Details

APN / Parcel Number

Primary APN	`00466600-000000`
Alternative APNs	`14613900466600000000` `1570001`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,145 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Other
Foundation Type	Pile
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	8,600 sqft (0.197 acres)
Garage Type	Carport
Carport	Carport
Carport Area	742 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	1570001
Old Parcel Number	14613900466600000000
Street Address	627 CABRERA ST
City	KEY LARGO
State	FL
Zip	33037-4604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1 LT 21 SOUTH CREEK VILLAGE KEY LARGO PB3-85 OR526-915 OR1099-290 OR2458-937 OR2862-1299
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	SOUTH CREEK VILLAGE
Legal Block	1
Legal Lot Number	21
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	4
Census Block	4000
Census Tract	970400

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	2 Individual Names on Record
Mailing Address	627 CABRERA ST, KEY LARGO, FL 33037-4604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2018	Deed of Trust, Mortgage · Construction Mortgage TD BANK NA
Oct 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Apr 1, 2020	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESID'L MTG
Jul 3, 2017	Warranty Deed, Transfer SUNSHINE TITLE CORPORATION, SUNSHINE TITLE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2017 · Amount on Record
Deed Sale	Jul 3, 2017 · Amount on Record
Prior Sale	Mar 25, 2010
Deed Document Number	2129640
Deed Book / Page	2862 / 1299
Record Updated	Jun 8, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	627 CABRERA ST, KEY LARGO, FL 33037-4604
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029380513
Date	Nov 29, 2018
Book Page	2938/0513
Instrument	2196298

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	627 CABRERA ST, KEY LARGO, FL 33037-4604
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	627 CABRERA ST, KEY LARGO, FL 33037-4604

Mortgage

Document Number	0030472052
Date	Oct 1, 2020
Book Page	3047/2052
Instrument	2284269

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

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

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 1, 2020
Property Address	627 CABRERA ST, KEY LARGO, FL 33037-4604
Document Number	0030161496
Book / Page	003016 / 001496
Instrument Date	Mar 26, 2020
Instrument	2262137
Transaction Type	Transfer
Record Updated	Jun 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,920.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	650 CABRERA ST KEY LARGO FL 330374605, KEY LARGO, FL 33037-4605

Mortgage

Document Number	30161498
Date	Apr 1, 2020
Book Page	003016/001498
Instrument	2262138

Lender

Name	PARAMOUNT RESID'L MTG
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 31, 2050

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 3, 2017
Property Address	627 CABRERA ST, KEY LARGO, FL 33037-4604
Document Number	0028621299
Book / Page	002862 / 001299
Instrument Date	Jun 23, 2017
Instrument	2129640
Transaction Type	Transfer
Record Updated	Jul 19, 2017
Title Company	SUNSHINE TITLE CORPORATION, SUNSHINE TITLE CORP

Transaction

Amount	Amount Recorded
Tax	$700.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3029 BRICKELL AVE MIAMI FL 331292815, MIAMI, FL 33129-2815

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		$858,321 (+5.99%)	$862,141 (+0.86%) Land $357,760 Building $504,381
2024	$7,085.00 (+3.42%)
2023	$6,851.00 (+6.18%) Homeowner's exemption	$809,837 (+3%)	$854,793 (+8.72%) Land $378,400 Building $476,393
2022	$6,452.00 Homeowner's exemption	$786,250 Land $309,600 Building $476,650	$786,250 Land $309,600 Building $476,650

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 167 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	167 in force
Nearby Flood Claims	68 (1992–2023)
Claims Outside the SFHA	4 of 68
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 39 claims Hurricane Irene, Oct 1999 · 8 claims Hurricane Georges, Sep 1998 · 8 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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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 416 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

May also be available: T-Mobile.

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