Monroe County property record for 653 Cabrera St, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,981 sqft · built 2021 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $640,000 (Jul 2021) |
| Tax Bill | $4,269 (2024) |
| Deeds & Mortgages | Jul 2021 Sale May 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 00466460-000000 |
| Primary APN | 00466460-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,981 sqft Living Area |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| 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 | Covered |
| Garage Area | 901 sqft |
| Porch | Open Porch |
| Patio Area | 231 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 1569861 |
|---|---|
| Street Address | 653 CABRERA ST |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS-M |
| Legal Description | BK 1 LT 7 SOUTH CREEK VILLAGE KEY LARGO PB3-85 OR218-333/34 OR1931-917/17A OR1931-919 OR2962-304 OR2962-306 OR3111-1177 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 14 |
| Legal Subdivision | SOUTH CREEK VILLAGE |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 4 |
| Census Block | 4000 |
| 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 8, 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 | 653 CABRERA ST, KEY LARGO, FL 33037-4604 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 12, 2021 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| May 3, 2019 | Warranty Deed, Transfer · Conventional Mortgage JOSEPH GIORDANO |
| May 3, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 12, 2021 · Amount on Record |
| Deed Sale | Jul 12, 2021 · Amount on Record |
| Prior Sale | May 28, 2020 · Amount on Record |
| Deed Document Number | 20212329427 |
| Deed Book / Page | 3111 / 1177 |
| Prior Transfer Date | May 18, 2020 |
| Prior Transfer Doc | 0030240835 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 12, 2021 |
| Property Address | 653 CABRERA ST, KEY LARGO, FL 33037-4604 |
| Document Number | 0031111177 |
| Book / Page | 3111 / 1177 |
| Map Reference | MB 3 PG 85 |
| Instrument Date | Jun 30, 2021 |
| Instrument | 2329427 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,480.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100410 OVERSEAS HWY STE 301, 301, KEY LARGO, FL 33037-2556 |
| Name | Verified Name |
|---|---|
| Address | 653 CABRERA ST, KEY LARGO, FL 33037-4604 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 3, 2019 |
| Property Address | 653 CABRERA ST, KEY LARGO, FL 33037-4604 |
| Document Number | 0029620306 |
| Book / Page | 002962 / 000306 |
| Instrument Date | Apr 26, 2019 |
| Instrument | 2218287 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $630.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 104615 OVERSEAS HIGHAY #3 KEY LARGO FL 33037, 3, KEY LARGO, FL 33037 |
| Document Number | 29620308 |
|---|---|
| Date | May 3, 2019 |
| Book Page | 002962/000308 |
| Instrument | 2218288 |
| Name | JOSEPH GIORDANO |
|---|---|
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | May 2, 2022 |
| Rate | 5% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 3, 2019 |
| Property Address | 653 CABRERA ST, KEY LARGO, FL 33037-4604 |
| Document Number | 0029620304 |
| Book / Page | 002962 / 000304 |
| Instrument Date | Apr 15, 2019 |
| Instrument | 2218286 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $213.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 114 E RIDGE RD ISLAMORADA FL 330363120, ISLAMORADA, FL 33036-3120 |
Source: Monroe County assessment roll, as of December 8, 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 | $488,363 (+5.99%) | $902,816 (+42.45%) Land $267,800 Building $635,016 | |
| 2024 | $4,269.00 (+4.15%) | ||
| 2023 | $4,099.00 (+5.73%) Homeowner's exemption | $460,777 (+3%) | $633,797 (+9.6%) Land $283,250 Building $350,547 |
| 2022 | $3,877.00 Homeowner's exemption | $447,357 | $578,267 Land $231,750 Building $346,517 |
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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