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654 Cabrera St, Key Largo, FL 33037 Property Records

Monroe County property record for 654 Cabrera St, Key Largo, FL 33037 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,415 sqft · built 2015
Lot Size0.114 acres (5,000 sqft)
OwnerIndividual Name on File
Last Sale$250,000 (Jul 2019)
Tax Bill$3,224 (2024)
Deeds & MortgagesNov 2022 Line of Credit
Flood ZoneZone X (moderate risk)
APN00466640-000000

Property Details

APN / Parcel Number

Primary APN00466640-000000
Alternative APNs
  • 14613900466640000000
  • 1570044

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,415 sqft Living Area
1st Floor Area1,415 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2015
Effective Year BuiltEffective 2017
Exterior MaterialOther
Foundation TypeConcrete
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area5,000 sqft (0.114 acres)
Lot Dimensions100 ft deep x 50 ft wide
PorchOpen Porch
Porch Area197 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1570044
Old Parcel Number14613900466640000000
Street Address654 CABRERA ST
CityKEY LARGO
StateFL
Zip33037-4605
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 2 LT 3 SOUTH CREEK VILLAGE KEY LARGO PB3-85 OR370-88/89 OR895-536D/C OR2632-1977ORD OR2643-974/75 OR2730-1433/34
Legal Range39E
Legal Township61S
Legal Section14
Legal SubdivisionSOUTH CREEK VILLAGE
Legal Block2
Legal Lot Number3
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group4
Census Block4008
Census Tract970400

Owner

Source: Monroe County records · APN 00466640-000000

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 RecordIndividual Name on File
Mailing Address654 CABRERA ST, KEY LARGO, FL 33037-4605
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 23, 2019 · Amount on Record
Deed SaleJul 23, 2019 · Amount on Record
Prior SaleMar 20, 2015 · Amount on Record
Deed Document Number2229756
Deed Book / Page2976 / 0921
Record UpdatedJun 08, 2026

November 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address654 CABRERA ST, KEY LARGO, FL 33037-4605
Transaction TypeMortgage
Record UpdatedDec 08, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address654 CABRERA ST, KEY LARGO, FL 33037-4605

Mortgage

Document Number0032021552
DateNov 23, 2022
Book Page3202/1552
Instrument2398549
Lender
NamePNC BANK NA
TypeBank
AddressWILMINGTON, DE 19801
Agreement
TypeLine of Credit
AmountAmount Recorded
Term480 Months
DueNov 16, 2062
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe 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.

YearTax BillAssessed ValueAssessed Market Value
2025$354,341 (+5.99%)$563,301 (+1.57%) Land $267,800 Building $295,501
2024$3,224.00 (+4.78%)
2023$3,077.00 (+5.41%) Homeowner's exemption$334,326 (+3%)$554,584 (+11.27%) Land $283,250 Building $271,334
2022$2,919.00 Homeowner's exemption$324,589$498,413 Land $231,750 Building $266,663

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879704004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardModerate
500-Year FloodplainYes
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance CostPremium on Record
median of 167 individual NFIP policies nearby
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 Storm
  • Hurricane Irma, Sep 2017 · 39 claims
  • Hurricane Irene, Oct 1999 · 8 claims
  • Hurricane Georges, Sep 1998 · 8 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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 · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 73 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250

Availability varies by address; speeds are provider-advertised maximums, not measured.

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