632 Cabrera St, Key Largo, FL 33037 Property Records

Monroe County property record for 632 Cabrera St, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,012 sqft · built 2018
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$645,000 (Dec 2020)
Tax Bill	$5,135 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Dec 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`00466830-000000`

Property Details

APN / Parcel Number

Primary APN	`00466830-000000`
Alternative APNs	`14613900466830000000` `1570231`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,012 sqft Living Area
Gross Area	2,276 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Other
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	264 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1570231
Street Address	632 CABRERA ST
City	KEY LARGO
State	FL
Zip	33037-4600
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS-M
Legal Description	BK 3 LT 7 SOUTH CREEK VILLAGE KEY LARGO PB3-85 OR395-1004 OR533-583 OR1236-2232 OR1280-98 OR2098-548/48 OR2162-1581 OR1411-1520 OR1510-2062/63 OR1782-99/107 OR1785-2329/30 OR2162-1582 OR2657-1962 OR2740-856/58 OR2898-2293CE OR2915-1899 OR3029/98 OR30
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	SOUTH CREEK VILLAGE
Legal Block	3
Legal Lot Number	7
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	4
Census Block	4002
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

632 Cabrera St is owned and occupied by two individuals who bought it in December 2020.

Source: Monroe County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	632 CABRERA ST, KEY LARGO, FL 33037-4600
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Nov 4, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 17, 2020	Warranty Deed, Transfer SUNSHINE TITLE/THE KEYS INC
Dec 7, 2020	Warranty Deed, Transfer · VA Mortgage HOME POINT FINANCIAL CORPORATION
Jul 6, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2020 · Amount on File
Deed Sale	Dec 7, 2020 · Amount on File
Prior Sale	Jul 6, 2018 · Amount on File
Deed Document Number	20202293685
Deed Book / Page	3061 / 168
Prior Transfer Date	Nov 4, 1993
Prior Transfer Doc	1280000098
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	632 CABRERA ST, KEY LARGO, FL 33037-4600
Transaction Type	Mortgage
Record Updated	Nov 24, 2021
Title Company	ABSOLUTE FIRST TITLE LLC, ABSOLUTE FIRST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 CABRERA ST, KEY LARGO, FL 33037-4600

Mortgage

Document Number	0031352374
Date	Nov 4, 2021
Book Page	3135/2374
Instrument	2347364

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 17, 2020
Property Address	632 CABRERA ST, KEY LARGO, FL 33037-4600
Document Number	0030630544
Book / Page	003063 / 000544
Instrument Date	Dec 7, 2020
Instrument	2295396
Transaction Type	Transfer
Record Updated	Dec 31, 2020
Title Company	SUNSHINE TITLE/THE KEYS INC

Transaction

Amount	Amount on Record
Tax	$1,085.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 370463 KEY LARGO FL 330370463, KEY LARGO, FL 33037-0463

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 7, 2020
Property Address	632 CABRERA ST, KEY LARGO, FL 33037-4600
Document Number	0030610168
Book / Page	3061 / 168
Map Reference	MB 3 PG 85
Instrument Date	Dec 7, 2020
Instrument	2293685
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,515.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1243 SILCOX RD, 1243, ASHFORD, AL 36312-5359

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 CABRERA ST, KEY LARGO, FL 33037-4600

Mortgage

Document Number	0003061170
Date	Dec 7, 2020
Instrument	3061/170

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 6, 2018
Property Address	632 CABRERA ST, KEY LARGO, FL 33037-4600
Document Number	0029151899
Book / Page	002915 / 001899
Instrument Date	Jul 3, 2018
Instrument	2176884
Transaction Type	Transfer
Record Updated	Aug 15, 2018
Title Company	ABSOLUTE FIRST TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,745.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	632 CABRERA ST KEY LARGO FL 33037, KEY LARGO, FL 33037

Mortgage

Document Number	29151900
Date	Jul 6, 2018
Book Page	002915/001900
Instrument	2176885

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 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		$606,556	$759,061 Land $267,800 Building $491,261
2024	$5,135.00 (+3.86%)
2023	$4,944.00 (+5.94%) Senior Citizen's exemption	$572,294 (+3%)	$750,778 (+6.98%) Land $283,250 Building $467,528
2022	$4,667.00 Senior Citizen's exemption	$555,626	$701,823 Land $231,750 Building $470,073

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

Flood

FEMA maps place 632 Cabrera St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 632 Cabrera St is low, with a 0.04% annual chance of 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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