645 Cabrera St, Key Largo, FL 33037 Property Records

Monroe County property record for 645 Cabrera St, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 878 sqft · built 1960
Lot Size	0.229 acres (10,000 sqft)
Owner	Individual Name on Record
Tax Bill	$3,628 (2024)
Deeds & Mortgages	Apr 2023 Transfer Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00466510-000000`

Property Details

APN / Parcel Number

Primary APN	`00466510-000000`
Alternative APNs	`14613900466510000000` `1569917`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	878 sqft Living Area
1st Floor Area	798 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1995
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
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

Porch	Open Porch
Porch Area	288 sqft
Deck Area	336 sqft
Patio Area	40 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air

Location & Zoning

Account Number	1569917
Old Parcel Number	14613900466510000000
Street Address	645 CABRERA ST
City	KEY LARGO
State	FL
Zip	33037-4604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1 LT 12 SOUTH CREEK VILLAGE KEY LARGO PB3-85 OR368-543 OR804-954D/C OR972-97/99WILL CASE #86-131-CP-10 OR1017-96
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	SOUTH CREEK VILLAGE
Legal Block	1
Legal Lot Number	12
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 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	645 CABRERA ST, KEY LARGO, FL 33037-4604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2023	Correction Deed SUNSHINE TITLE/THE KEYS INC, SUNSHINE TITLE OF KEYS INC
Mar 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 23, 2019	Warranty Deed, Transfer · FHA Mortgage ALL IN ONE MTG LNDRS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2023
Deed Sale	Mar 1, 2023
Deed Document Number	0032182077
Record Updated	Jun 8, 2026

April 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	MONROE FL
Recording Date	Apr 4, 2023
Property Address	645 CABRERA ST, KEY LARGO, FL 33037-4604
Document Number	0032182077
Book / Page	3218 / 2077
Map Reference	MB 3 PG 85
Instrument Date	Mar 24, 2023
Instrument	2412717
Record Updated	Apr 26, 2023
Title Company	SUNSHINE TITLE/THE KEYS INC, SUNSHINE TITLE OF KEYS INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	33 LAKE SHORE DR, KEY LARGO, FL 33037-2512

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3380 OCERSEAS HIGHWAY, MARATHON, FL 33050-2343

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	645 CABRERA ST, KEY LARGO, FL 33037-4604
Transaction Type	Mortgage
Record Updated	Apr 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 CABRERA ST, KEY LARGO, FL 33037-4604

Mortgage

Document Number	0031601169
Date	Mar 11, 2022
Book Page	3160/1169
Instrument	2365497

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 23, 2019
Property Address	645 CABRERA ST, KEY LARGO, FL 33037-4604
Document Number	0029760921
Book / Page	002976 / 000921
Instrument Date	Jul 19, 2019
Instrument	2229756
Transaction Type	Transfer
Record Updated	Aug 7, 2019
Title Company	SUNSHINE TITLE/THE KEYS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3380 OVERSEAS HWY MARATHON FL 330502343, MARATHON, FL 33050-2343

Mortgage

Document Number	29760923
Date	Jul 23, 2019
Book Page	002976/000923
Instrument	2229757

Lender

Name	ALL IN ONE MTG LNDRS
Type	Mortgage Company
Address	CORAL GABLES, FL 33134

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2049

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		$443,648 (+10.52%) Land $307,970 Building $135,678	$443,648 (+10.52%) Land $307,970 Building $135,678
2024	$3,628.00 (+12.36%)
2023	$3,229.00 (+12.08%)	$401,403 (+16.43%) Land $311,575 Building $89,828	$401,403 (+16.43%) Land $311,575 Building $89,828
2022	$2,881.00	$344,764 Land $254,925 Building $89,839	$344,764 Land $254,925 Building $89,839

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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