652 Cabrera St, Key Largo, FL 33037 Property Records

Monroe County property record for 652 Cabrera St, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,408 sqft · built 2015
Lot Size	0.114 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$620,000 (Oct 2021)
Tax Bill	$5,909 (2024)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`00466650-000000`

Property Details

APN / Parcel Number

Primary APN	`00466650-000000`
Alternative APNs	`14613900466650000000` `1570052`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,408 sqft Living Area
1st Floor Area	1,408 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2018
Exterior Material	Other
Foundation Type	Slab (Mat/Raft)
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	5,000 sqft (0.114 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	348 sqft
Patio Area	1,231 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1570052
Old Parcel Number	14613900466650000000
Street Address	652 CABRERA ST
City	KEY LARGO
State	FL
Zip	33037-4605
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 2 LT 4 SOUTH CREEK VILLAGE KEY LARGO PB3-85 OR370-88 OR895-536 OR2632-1977 OR2643-974 OR2731-194 OR3131-0402
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	SOUTH CREEK VILLAGE
Legal Block	2
Legal Lot Number	4
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	4
Census Block	4008
Census Tract	970400

Owner

Source: Monroe County records · APN 00466650-000000

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	652 CABRERA ST, KEY LARGO, FL 33037-4605
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jul 07, 2017	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 12, 2021 · Amount on Record
Deed Sale	Oct 12, 2021 · Amount on Record
Prior Sale	Mar 24, 2015 · Amount on Record
Deed Document Number	2343731
Deed Book / Page	3131 / 402
Record Updated	Jun 08, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 12, 2021
Property Address	652 CABRERA ST, KEY LARGO, FL 33037-4605
Document Number	0031310402
Book / Page	3131 / 402
Map Reference	MB 3 PG 85
Instrument Date	Sep 30, 2021
Instrument	2343731
Transaction Type	Transfer
Record Updated	Nov 02, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30 AMY LN, 30, ABSECON, NJ 08201-1202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	652 CABRERA ST, KEY LARGO, FL 33037-4605

Mortgage

Document Number	3131405
Date	Oct 12, 2021
Instrument	3131/405

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	652 CABRERA ST, KEY LARGO, FL 33037-4605
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028630954
Date	Jul 07, 2017
Book Page	2863/0954
Instrument	2130202

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2047

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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		$614,434 (+2.14%) Land $267,800 Building $346,634	$614,434 (+2.14%) Land $267,800 Building $346,634
2024	$5,909.00 (+6.99%)
2023	$5,523.00 (+10.88%)	$601,578 (+8.65%) Land $283,250 Building $318,328	$601,578 (+8.65%) Land $283,250 Building $318,328
2022	$4,981.00	$553,682 Land $231,750 Building $321,932	$553,682 Land $231,750 Building $321,932

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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