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646 Cabrera St, Key Largo, FL 33037 Property Records

Monroe County property record for 646 Cabrera St, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,218 sqft · built 2021
Lot Size0.115 acres (5,000 sqft)
OwnerCompany Name on Record
Last Sale$1,000,000 (Nov 2022)
Tax Bill$6,433 (2025)
Deeds & MortgagesNov 2022 Sale & Mortgage
Nov 2021 Sale
+ 1 more
Flood ZoneZone X (moderate risk)
APN00466680-000000

Property Details

APN / Parcel Number

Primary APN00466680-000000
Alternative APNs
  • 14613900466680000000
  • 1570087

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,218 sqft Living Area
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area5,000 sqft (0.115 acres)
Lot Dimensions100 ft deep x 50 ft wide
Garage TypeCarport
Garage Area392 sqft
CarportCarport
Carport Area392 sqft
PorchOpen Porch

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Account Number1570087
Street Address646 CABRERA ST
CityKEY LARGO
StateFL
Zip33037-4605
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS-M
Legal DescriptionBK 2 LT 7 SOUTH CREEK VILLAGE KEY LARGO PB3-85 OR158-199/200 OR1642-291/92 OR1648-1668/69 OR1648-1670 OR2232-1606/27 OR2702-574/75 OR3059-1687 OR3135-0188 OR3200-0927
Legal Range39E
Legal Township61S
Legal Section14
Legal SubdivisionSOUTH CREEK VILLAGE
Legal Block2
Legal Lot Number7
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group4
Census Block4008
Census Tract970400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed AreaWithin 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 August 14, 2026

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

Owner of RecordCompany Name on Record
Mailing Address629 CABRERA ST, KEY LARGO, FL 33037-4604
Owner TypeCompany
VestingLimited Liability Company

Deeds, Mortgages & Sale History

DateDocument
Nov 3, 2022Warranty Deed, Transfer · Conventional Mortgage
FIRST HORIZON BANK
Nov 2, 2021Warranty Deed, Transfer
CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO
Dec 1, 2020Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 3, 2022 · Amount on Record
Deed SaleNov 3, 2022 · Amount on Record
Prior SaleNov 2, 2021 · Amount on Record
Deed Document Number20222396629
Deed Book / Page3200 / 927
Record UpdatedSep 20, 2026

November 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateNov 3, 2022
Property Address646 CABRERA ST, KEY LARGO, FL 33037-4605
Document Number0032000927
Book / Page3200 / 927
Map ReferenceMB 3 PG 85
Instrument DateNov 3, 2022
Instrument2396629
Transaction TypeTransfer
Record UpdatedJun 1, 2023
Title CompanyREEF TITLE COMPANY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$7,000.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7678 N 600 W, ROSSVILLE, IN 46065

Transferred To (Grantee/Buyer)

NameVerified Name
Address629 CABRERA ST, KEY LARGO, FL 33037-4604

Mortgage

Document Number0032000929
DateNov 3, 2022
Book Page3200/929
Instrument2396630
Lender
NameFIRST HORIZON BANK
TypeBank
AddressMEMPHIS, TN 38103
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2052
Interest
Rate TypeAdjustable Rate
Rate3.87%
Type Change DateDec 1, 2029
Change Frequency6 Months
Min Rate At Change2.75%
Max Rate At Change8.87%
IndexOther
Max Rate8.87%

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateNov 2, 2021
Property Address646 CABRERA ST, KEY LARGO, FL 33037-4605
Document Number0031350188
Book / Page3135 / 188
Map ReferenceMB 3 PG 85
Instrument DateOct 23, 2021
Instrument2346662
Transaction TypeTransfer
Record UpdatedJan 26, 2023
Title CompanyCORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Transaction

AmountAmount Recorded
Tax$4,970.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address100410 OVERSEAS HWY STE 302, 302, KEY LARGO, FL 33037-2556

Transferred To (Grantee/Buyer)

NameVerified Name
Address646 CABRERA ST, KEY LARGO, FL 33037-4605
InvestorPossibly a Property Investor

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateDec 1, 2020
Property Address646 CABRERA ST, KEY LARGO, FL 33037-4605
Document Number0030591687
Book / Page003059 / 001687
Instrument DateDec 1, 2020
Instrument2292796
Transaction TypeTransfer
Record UpdatedDec 16, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$1,190.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address100410 OVERSEAS HWY #302 KEY LARGO FL 330372556, 302, KEY LARGO, FL 33037-2556

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,433.00 (-4.09%)$693,537 (+0.82%) Land $307,970 Building $385,567$693,537 (+0.82%) Land $307,970 Building $385,567
2024$6,707.00 (+8.04%)
2023$6,208.00 (+23.64%)$687,915 (+14.78%) Land $311,575 Building $376,340$687,915 (+14.78%) Land $311,575 Building $376,340
2022$5,021.00 Homeowner's exemption$599,346 Land $254,925 Building $344,421$599,346 Land $254,925 Building $344,421

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 167 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies167 in force
Nearby Flood Claims68 (1992–2023)
Claims Outside the SFHA4 of 68
Most Recent ClaimNov 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 RiskLow
lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond ember reach

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 73 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		2,000 / 250

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