640 Cabrera St, Key Largo, FL 33037 Property Records

Monroe County property record for 640 Cabrera St, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 1986
Lot Size	0.229 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$695,000 (Apr 2023)
Tax Bill	$832 (2024)
Deeds & Mortgages	Apr 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`00466790-000000`

Property Details

APN / Parcel Number

Primary APN	`00466790-000000`
Alternative APNs	`14613900466790000000` `1570192`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,400 sqft Living Area
1st Floor Area	1,400 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,000 sqft (0.229 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	18 sqft
Patio Area	335 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1570192
Old Parcel Number	14613900466790000000
Street Address	640 CABRERA ST
City	KEY LARGO
State	FL
Zip	33037-4600
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 3 LOT 2-3 SOUTH CREEK VILLAGE PB3-85 KEY LARGO OR237-593/94 OR521-221 OR964-62 OR973-2492 OR1308-2139 OR1309-720
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	SOUTH CREEK VILLAGE
Legal Block	3
Legal Lot Number	2-3 3
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	640 CABRERA ST, KEY LARGO, FL 33037-4600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2023 · Amount on Record
Deed Sale	Apr 3, 2023 · Amount on Record
Prior Sale	Jul 23, 2007 · Amount on Record
Deed Document Number	2412391
Deed Book / Page	3218 / 1022
Record Updated	Jun 8, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 3, 2023
Property Address	640 CABRERA ST, KEY LARGO, FL 33037-4600
Document Number	0032181022
Book / Page	3218 / 1022
Map Reference	MB 3 PG 85
Instrument Date	Mar 30, 2023
Instrument	2412391
Transaction Type	Transfer
Record Updated	Apr 26, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$4,865.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	640 CABRERA ST, KEY LARGO, FL 33037-4600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 CABRERA ST, KEY LARGO, FL 33037-4600

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		$649,473 (-1.06%) Land $442,520 Building $206,953	$649,473 (-1.06%) Land $442,520 Building $206,953
2024	$832.00 (-86.04%)
2023	$5,958.00 (+193.5%)	$656,410 (+214.92%) Land $447,700 Building $208,710	$656,410 (+16.62%) Land $447,700 Building $208,710
2022	$2,030.00 Homeowner's exemption	$208,439	$562,851 Land $366,300 Building $196,551

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

Nearby Properties on Cabrera St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures