Monroe County property record for 637 Cuda Ln, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 2,432 sqft · built 1994 |
| Lot Size | 0.174 acres (7,589 sqft) |
| Owner | Owner Name on Record |
| Tax Bill | $7,511 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00483620-000000 |
| Primary APN | 00483620-000000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 3 Stories |
| Building Area | 2,432 sqft Living Area |
| 1st Floor Area | 2,432 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,589 sqft (0.174 acres) |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 1,453 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1593249 |
|---|---|
| Street Address | 637 CUDA LN |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 16 RAES CUDA CANAL SUBD PB3-186 KEY LARGO OR104-331 OR545-1052 OR581-52 OR1123-711/12 OR1278-661 OR1294-1910C |
| Legal Range | 38E |
| Legal Township | 62S |
| Legal Section | 13 |
| Legal Subdivision | RAE'S CUDA CANAL SUBD |
| Legal Lot Number | 16 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 970600 |
Source: Monroe County records, as of December 5, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 637 CUDA LN, KEY LARGO, FL 33037-3805 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 23, 2009 |
| Deed Sale | Jun 23, 2009 |
| Prior Sale | Jun 23, 2009 |
| Deed Document Number | 0024190111 |
| Last Transfer Date | Oct 17, 2012 |
| Transfer Doc | 0025940538 |
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,013,937 (+23.34%) | $1,189,719 (+27.71%) Land $473,002 Building $716,717 | |
| 2024 | $7,511.00 (+4%) | ||
| 2023 | $7,222.00 (+21.07%) Senior Citizen's exemption | $822,072 (+22.55%) | $931,606 (+28.7%) Land $518,193 Building $413,413 |
| 2022 | $5,965.00 Senior Citizen's exemption | $670,799 | $723,863 Land $299,769 Building $424,094 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
Source: FCC Broadband Data Collection, based on 216 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Hotwire Communications.
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