643 Cabrera St, Key Largo, FL 33037 Property Records

Monroe County property record for 643 Cabrera St, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,552 sqft · built 2021
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Company Names on Record
Last Sale	$699,000 (Mar 2022)
Tax Bill	$6,786 (2024)
Deeds & Mortgages	Mar 2022 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00466510-000100`

Property Details

APN / Parcel Number

Primary APN	`00466510-000100`
Alternative APN	`9104442`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,552 sqft Living Area
1st Floor Area	1,552 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	5,000 sqft (0.115 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	9104442
Street Address	643 CABRERA ST
City	KEY LARGO
State	FL
Zip	33037-4604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS-M
Legal Description	BK 1 LT 13 SOUTH CREEK VILLAGE KEY LARGO PB3-85 OR368-543 OR804-954 OR972-97 OR1017-96 OR1147-497 OR3032-2212 OR3159-0907 OR3289-0189
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	SOUTH CREEK VILLAGE
Legal Block	1
Legal Lot Number	13
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 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	460 S MELROSE DR, MIAMI SPRINGS, FL 33166-5034
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 21, 2020	Warranty Deed, Transfer · Conventional with PMI MARIA T CANTO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2022 · Amount on Record
Deed Sale	Mar 8, 2022 · Amount on Record
Prior Sale	Jul 21, 2020 · Amount on Record
Deed Document Number	20222364670
Deed Book / Page	3159 / 907
Last Transfer Date	Jul 31, 2024
Transfer Doc	0032890189
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	643 CABRERA ST, KEY LARGO, FL 33037-4604
Transaction Type	Mortgage
Record Updated	Jan 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031590913
Date	Mar 8, 2022
Book Page	3159/913
Instrument	2364673

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 21, 2020
Property Address	643 CABRERA ST, KEY LARGO, FL 33037-4604
Document Number	0030322212
Book / Page	003032 / 002212
Instrument Date	Jul 21, 2020
Instrument	2273860
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$805.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 371319 KEY LARGO FL 330371319, KEY LARGO, FL 33037-1319

Mortgage

Document Number	30322213
Date	Jul 21, 2020
Book Page	003032/002213
Instrument	2273861

Lender

Name	MARIA T CANTO

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	36 Months
Due	Jul 20, 2023

Interest

Rate	5%

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		$677,280 (+4.05%) Land $307,970 Building $369,310	$677,280 (+4.05%) Land $307,970 Building $369,310
2024	$6,786.00 (+6.87%)
2023	$6,350.00 (+33.63%)	$650,915 (+16.49%) Land $311,575 Building $339,340	$650,915 (+16.49%) Land $311,575 Building $339,340
2022	$4,752.00	$558,755 Land $254,925 Building $303,830	$558,755 Land $254,925 Building $303,830

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
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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