634 Cabrera St, Key Largo, FL 33037 Property Records

Monroe County property record for 634 Cabrera St, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,848 sqft · built 2024
Lot Size	0.114 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$800,000 (Sep 2024)
Tax Bill	$2,910 (2024)
Deeds & Mortgages	Sep 2024 Sale & Mortgage Aug 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00466830-000100`

Property Details

APN / Parcel Number

Primary APN	`00466830-000100`
Alternative APN	`9104566`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,848 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Other
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,000 sqft (0.114 acres)
Porch	Open Porch
Porch Area	352 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	9104566
Street Address	634 CABRERA ST
City	KEY LARGO
State	FL
Zip	33037-4600
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 3 LT 6 SOUTH CREEK VILLAGE KEY LARGO PB3-85 OR395-1004 OR533-583 OR1236-2232 OR1280-98 OR2098-548/48 OR2162-1581
Legal Subdivision	SOUTH CREEK VILLAGE
Legal Block	3
Legal Lot Number	6
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

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	634 CABRERA ST, KEY LARGO, FL 33037-4600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2024	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK
Aug 11, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Aug 4, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2024 · Amount on Record
Deed Sale	Sep 9, 2024 · Amount on Record
Prior Sale	Aug 11, 2021 · Amount on Record
Deed Document Number	2473869
Deed Book / Page	3291 / 1744
Record Updated	Jun 8, 2026

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 9, 2024
Property Address	634 CABRERA ST, KEY LARGO, FL 33037-4600
Document Number	0032911744
Book / Page	3291 / 1744
Map Reference	MB 3 PG 85
Instrument Date	Sep 6, 2024
Instrument	2473869
Transaction Type	Transfer
Record Updated	Dec 8, 2025
Title Company	EPIC TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	362 SOUND DR, KEY LARGO, FL 33037-4638

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 CABRERA ST, KEY LARGO, FL 33037-4600

Mortgage

Document Number	0002473870
Date	Sep 9, 2024
Instrument	2473870

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

Mortgage

Document Number	0032911760
Date	Sep 9, 2024
Book Page	3291/1760
Instrument	2473871

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	LITTLE ROCK, AR 72203

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 11, 2021
Property Address	634 CABRERA ST, KEY LARGO, FL 33037-4600
Document Number	0031182025
Book / Page	3118 / 2025
Map Reference	MB 3 PG 85
Instrument Date	Aug 2, 2021
Instrument	2334636
Transaction Type	Transfer
Record Updated	Dec 8, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,386.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47 JEAN LA FITTE DR, KEY LARGO, FL 33037-2345

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 4, 2021
Property Address	634 CABRERA ST, KEY LARGO, FL 33037-4600
Document Number	0031171891
Book / Page	3117 / 1891
Map Reference	MB 3 PG 85
Instrument Date	Aug 2, 2021
Instrument	2333730
Transaction Type	Transfer
Record Updated	Dec 8, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,386.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47 JEAN LA FITTE DR, KEY LARGO, FL 33037-2345

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		$679,813 (+283.85%) Land $267,800 Building $412,013	$679,813 (+283.85%) Land $267,800 Building $412,013
2024	$2,910.00 (+22.53%)
2023	$2,375.00 (+1.15%)	$177,102 (-0.07%) Land $173,813 Building $3,289	$177,102 (-0.07%) Land $173,813 Building $3,289
2022	$2,348.00	$177,229 Land $173,813 Building $3,416	$177,229 Land $173,813 Building $3,416

Assessed value is set for property tax purposes, not a market price estimate; it is 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 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 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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