Monroe County property record for 644 Cabrera St, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 549 sqft · built 1955 |
| Lot Size | 0.111 acres (4,864 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $59,000 (Feb 1991) |
| Tax Bill | $1,263 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 00466770-000000 |
| Primary APN | 00466770-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 549 sqft Living Area |
| 1st Floor Area | 549 sqft |
| Interior Walls | Wood |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Flat |
| Roof Material | Rolled Roofing |
| Lot Area | 4,864 sqft (0.111 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 236 sqft |
| Deck Area | 224 sqft |
| Patio Area | 224 sqft |
| Fence | Fence |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Account Number | 1570176 |
|---|---|
| Old Parcel Number | 14613900466770000000 |
| Street Address | 644 CABRERA ST |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4600 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 3 LT 1 SOUTH CREEK VILLAGE KEY LARGO PB3-85 OR395-225 OR1158-2294/96D/C OR1158-2297 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 14 |
| Legal Subdivision | SOUTH CREEK VILLAGE |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 970400 |
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.
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 |
|---|---|
| Mailing Address | 644 CABRERA ST, KEY LARGO, FL 33037-4600 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 1, 1991 · Amount on Record |
| Deed Sale | Feb 1, 1991 · Amount on Record |
| Deed Document Number | 0011582297 |
| 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 | $98,380 (+5.99%) | $436,263 (+6%) Land $307,970 Building $128,293 | |
| 2024 | $1,263.00 (+8.88%) | ||
| 2023 | $1,160.00 (+3.2%) Homeowner's exemption | $92,824 (+3%) | $411,573 (+15.11%) Land $311,575 Building $99,998 |
| 2022 | $1,124.00 Homeowner's exemption | $90,121 | $357,554 Land $254,925 Building $102,629 |
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 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 |
|
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 | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond 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 73 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
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