650 Cabrera St, Key Largo, FL 33037 Property Records

Monroe County property record for 650 Cabrera St, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,977 sqft · built 2018
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$840,000 (Nov 2021)
Tax Bill	$4,725 (2024)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jul 2019 Loan Modification + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00466660-000000`

Property Details

APN / Parcel Number

Primary APN	`00466660-000000`
Alternative APNs	`14613900466660000000` `1570061`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,977 sqft Living Area
Gross Area	2,211 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	234 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1570061
Street Address	650 CABRERA ST
City	KEY LARGO
State	FL
Zip	33037-4605
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS-M
Legal Description	BK 2 LT 5 SOUTH CREEK VILLAGE KEY LARGO PB3-85 OR518-358 OR522-942 OR777-643 OR788-671 OR1681-1217 OR2201-1270/72 OR2616-550 OR2809-818 OR3016-1496 OR3139-1305
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	SOUTH CREEK VILLAGE
Legal Block	2
Legal Lot Number	5
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	4
Census Block	4008
Census Tract	970400

Owner

Source: Monroe County records · APN 00466660-000000

Assessment roll updated December 8, 2025 · Last verified April 2026

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 File
Mailing Address	650 CABRERA ST, KEY LARGO, FL 33037-4605
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 23, 2019	Loan Modification, Mortgage MARR SCOTT A (TE)
Mar 08, 2018	Loan Modification, Mortgage STUART D MARR

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 24, 2021 · Amount on Record
Deed Sale	Nov 24, 2021 · Amount on Record
Prior Sale	Apr 01, 2020 · Amount on Record
Deed Document Number	20212350039
Deed Book / Page	3139 / 1305
Prior Transfer Date	Mar 01, 2013
Prior Transfer Doc	0026160550
Record Updated	Jun 08, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 24, 2021
Property Address	650 CABRERA ST, KEY LARGO, FL 33037-4605
Document Number	0031391305
Book / Page	3139 / 1305
Map Reference	MB 3 PG 85
Instrument Date	Oct 25, 2021
Instrument	2350039
Transaction Type	Transfer
Record Updated	Dec 15, 2021
Title Company	WALL STREET TITLE GROUP INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,880.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6268 PALMA DEL MAR BLVD S # S208E, 6268, ST PETERSBURG, FL 33715-1298

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 CABRERA ST, KEY LARGO, FL 33037-4605

Mortgage

Document Number	0031391306
Date	Nov 24, 2021
Instrument	3139/1306

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2051

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	650 CABRERA ST, KEY LARGO, FL 33037-4605
Document Number	0029762271
Instrument Date	Jul 23, 2019
Transaction Type	Mortgage
Record Updated	Aug 07, 2019
Title Company	CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029762271
Date	Jul 26, 2019
Book Page	002976/002271
Instrument	2230193

Lender

Name	MARR SCOTT A (TE)

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Jul 25, 2021

Interest

Rate	8%

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	650 CABRERA ST, KEY LARGO, FL 33037-4605
Document Number	0028951416
Instrument Date	Mar 08, 2018
Transaction Type	Mortgage
Record Updated	Mar 28, 2018
Title Company	CORAL REEF TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028951416
Date	Mar 09, 2018
Book Page	002895/001416
Instrument	2158942

Lender

Name	STUART D MARR

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Mar 08, 2019

Interest

Rate Type	Fixed Rate
Rate	8%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$570,883 (+5.99%)	$793,549 (+3.09%) Land $307,970 Building $485,579
2024	$4,725.00 (+4.12%)
2023	$4,538.00 (+5.85%) Senior Citizen's exemption	$538,635 (+3%)	$769,753 (+8.23%) Land $311,575 Building $458,178
2022	$4,287.00 Senior Citizen's exemption	$522,947	$711,228 Land $254,925 Building $456,303

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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

Wildfire

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 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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 73 locations within half a mile of this property.

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