Monroe County property record for 648 Cabrera St, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 900 sqft · built 1986 |
| Lot Size | 0.114 acres (5,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $405,000 (Mar 2020) |
| Tax Bill | $3,261 (2024) |
| Deeds & Mortgages | Jan 2021 Mortgage Mar 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 00466670-000000 |
| Primary APN | 00466670-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 900 sqft Living Area |
| 1st Floor Area | 900 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,000 sqft (0.114 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 600 sqft |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 162 sqft |
| Fence | Fence |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Account Number | 1570079 |
|---|---|
| Old Parcel Number | 14613900466670000000 |
| Street Address | 648 CABRERA ST |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 2 LT 6 SOUTH CREEK VILLAGE KEY LARGO PB3-85 OR518-358 OR522-942 OR777-643 OR788-671 OR956-661 OR1083-1567 OR2542-1217 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 14 |
| Legal Subdivision | SOUTH CREEK VILLAGE |
| Legal Block | 2 |
| Legal Lot Number | 6 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 4 |
| Census Block | 4008 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 648 CABRERA ST, KEY LARGO, FL 33037-4605 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 14, 2021 | Deed of Trust, Mortgage · VA Mortgage HOME POINT FINANCIAL CORPORATION |
| Mar 13, 2020 | Warranty Deed, Transfer · VA Mortgage QUICKEN LNS |
| Oct 3, 2017 | Warranty Deed, Transfer · Conventional Mortgage PRIME LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 13, 2020 · Amount on Record |
| Deed Sale | Mar 13, 2020 · Amount on Record |
| Prior Sale | Oct 3, 2017 · Amount on Record |
| Deed Document Number | 2259934 |
| Deed Book / Page | 3013 / 1636 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 648 CABRERA ST, KEY LARGO, FL 33037-4605 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 648 CABRERA ST, KEY LARGO, FL 33037-4605 |
| Document Number | 0030690083 |
|---|---|
| Date | Jan 14, 2021 |
| Book Page | 3069/83 |
| Instrument | 2299347 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 13, 2020 |
| Property Address | 648 CABRERA ST, KEY LARGO, FL 33037-4605 |
| Document Number | 0030131636 |
| Book / Page | 003013 / 001636 |
| Instrument Date | Mar 13, 2020 |
| Instrument | 2259934 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,835.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 648 CABRERA ST KEY LARGO FL 330374605, KEY LARGO, FL 33037-4605 |
| Document Number | 30131638 |
|---|---|
| Date | Mar 13, 2020 |
| Book Page | 003013/001638 |
| Instrument | 2259935 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 12, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Oct 3, 2017 |
| Property Address | 648 CABRERA ST, KEY LARGO, FL 33037-4605 |
| Document Number | 0028731206 |
| Book / Page | 002873 / 001206 |
| Instrument Date | Oct 3, 2017 |
| Instrument | 2138621 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2017 |
| Title Company | CORAL REEF TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 648 CABRERA ST KEY LARGO FL 330374605, KEY LARGO, FL 33037-4605 |
| Document Number | 28731208 |
|---|---|
| Date | Oct 3, 2017 |
| Book Page | 002873/001208 |
| Instrument | 2138622 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 2, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
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 | $364,345 (+5.99%) | $498,642 (-0.3%) Land $267,800 Building $230,842 | |
| 2024 | $3,261.00 (+4.79%) | ||
| 2023 | $3,112.00 (+5.46%) Senior Citizen's exemption | $343,765 (+3%) | $500,162 (+10.81%) Land $283,250 Building $216,912 |
| 2022 | $2,951.00 Senior Citizen's exemption | $333,753 | $451,373 Land $231,750 Building $219,623 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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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