Monroe County property record for 857 Cardinal Ln, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,200 sqft · built 1993 |
| Lot Size | 0.151 acres (6,600 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $40,000 (Nov 1990) |
| Tax Bill | $6,937 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00546440-000000 |
| Primary APN | 00546440-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,200 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plaster |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,600 sqft (0.151 acres) |
| Lot Dimensions | 120 ft deep x 55 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 722 sqft |
| Patio Area | 700 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1669938 |
|---|---|
| Old Parcel Number | 22613900546440000000 |
| Street Address | 857 CARDINAL LN |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4650 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 2 LT 7 AMD PLAT OF WINSTON WATERWAYS PB4-144 OR575-383 OR978-936 OR1150-55 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 22 |
| Legal Subdivision | WINSTON WATER WAYS AMD |
| Legal Block | 2 |
| Legal Lot Number | 7 |
| 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.
Source: Monroe County records, as of December 5, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 6830 SW 67TH ST, SOUTH MIAMI, FL 33143-3110 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 1990 · Amount on Record |
| Deed Sale | Nov 1, 1990 · Amount on Record |
| Deed Document Number | 0000115055 |
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of July 1, 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 | $982,561 (+11.62%) Land $719,400 Building $263,161 | $982,561 (+11.62%) Land $719,400 Building $263,161 | |
| 2024 | $6,937.00 (+5.73%) | ||
| 2023 | $6,561.00 (+12.38%) | $880,261 (+11.61%) Land $630,300 Building $249,961 | $880,261 (+11.61%) Land $630,300 Building $249,961 |
| 2022 | $5,838.00 | $788,665 Land $537,900 Building $250,765 | $788,665 Land $537,900 Building $250,765 |
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 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 Record 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.
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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