Monroe County property record for 853 Cardinal Ln, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,200 sqft · built 1993 |
| Lot Size | 0.152 acres (6,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,090,000 (May 2023) |
| Tax Bill | $8,096 (2024) |
| Deeds & Mortgages | May 2023 Sale Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00546430-000000 |
| Primary APN | 00546430-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,200 sqft Living Area |
| Gross Area | 1,500 sqft |
| 1st Floor Area | 1,200 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,600 sqft (0.152 acres) |
| Lot Dimensions | 120 ft deep x 55 ft wide |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 300 sqft |
| Porch | Open Porch |
| Porch Area | 709 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1669920 |
|---|---|
| Street Address | 853 CARDINAL LN |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4650 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 2 LT 6 AMD PLAT OF WINSTON WATERWAYS PB4-144 OR575-383 OR1113-1491/92 OR2191-386 OR2578-201 OR3041-2307 OR3224-0175 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 22 |
| Legal Subdivision | WINSTON WATER WAYS AMD |
| Legal Block | 2 |
| Legal Lot Number | 6 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2010 |
| 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.
853 Cardinal Ln is owned and occupied by two individuals who bought it in May 2023.
Source: Monroe County records, as of December 8, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 853 CARDINAL LN, KEY LARGO, FL 33037-4650 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 5, 2023 | Warranty Deed, Transfer CORAL REEF TITLE COMPANY |
| Mar 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jan 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 3, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2023 · Amount on File |
| Deed Sale | May 5, 2023 · Amount on File |
| Prior Sale | Sep 3, 2020 |
| Deed Document Number | 20232416822 |
| Deed Book / Page | 3224 / 175 |
| Prior Transfer Date | Aug 31, 2020 |
| Prior Transfer Doc | 0030412307 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 5, 2023 |
| Property Address | 853 CARDINAL LN, KEY LARGO, FL 33037-4650 |
| Document Number | 0032240175 |
| Book / Page | 3224 / 175 |
| Map Reference | MB 4 PG 144 |
| Instrument Date | May 4, 2023 |
| Instrument | 2416822 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2023 |
| Title Company | CORAL REEF TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $7,630.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4340 TIDEWATER DR, ORLANDO, FL 32812-7952 |
| Name | Verified Name |
|---|---|
| Address | 853 CARDINAL LN, KEY LARGO, FL 33037-4650 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 853 CARDINAL LN, KEY LARGO, FL 33037-4650 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4340 TIDEWATER DR, ORLANDO, FL 32812-7952 |
| Document Number | 0030850615 |
|---|---|
| Date | Mar 30, 2021 |
| Book Page | 3085/615 |
| Instrument | 2311129 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 853 CARDINAL LN, KEY LARGO, FL 33037-4650 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4340 TIDEWATER DR, ORLANDO, FL 32812-7952 |
| Document Number | 0030670271 |
|---|---|
| Date | Jan 4, 2021 |
| Book Page | 3067/271 |
| Instrument | 2297828 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2036 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 3, 2020 |
| Property Address | 853 CARDINAL LN, KEY LARGO, FL 33037-4650 |
| Document Number | 0030412307 |
| Book / Page | 3041 / 2307 |
| Map Reference | MB 4 PG 144 |
| Instrument Date | Aug 31, 2020 |
| Instrument | 2280189 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | FRONTIER TITLE GROUP LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4030 TIDEWATER DRIVE, ORLANDO, FL 32812 |
| Document Number | 0030412308 |
|---|---|
| Date | Sep 3, 2020 |
| Instrument | 3041/2308 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 1, 2035 |
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 | $1,024,707 Land $719,400 Building $305,307 | $1,024,707 Land $719,400 Building $305,307 | |
| 2024 | $8,096.00 (+26.42%) | ||
| 2023 | $6,404.00 (+14.01%) | $877,428 (+16.01%) Land $630,300 Building $247,128 | $877,428 (+16.01%) Land $630,300 Building $247,128 |
| 2022 | $5,617.00 | $756,353 Land $537,900 Building $218,453 | $756,353 Land $537,900 Building $218,453 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 853 Cardinal Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 245 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 245 in force |
| Nearby Flood Claims | 161 (1992–2023) |
| Claims Outside the SFHA | 6 of 161 |
| 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.
Wildfire risk around 853 Cardinal Ln is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 142 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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