Magic Keyboard tab key not navigating form fields in Safari/Chrome

Hello everyone. I am at a complete loss on how to fix this issue. Any help would be really appreciated because this is a really annoying problem to have.

When I am using Safari or Chrome and there are multiple cell boxes on the webpage (username, password, etc.) I am unable to use the tab key on my Magic Keyboard to get to the next box. I have to use option + tab to make it go between the boxes. I have verified that the “Full Keyboard Access” in accessibility is turned off, and I even verified the commands in it for move forward was set to tab and move backward was set to shift + tab. I have checked the Safari and Chrome settings and couldn’t find anything that mentioned tab navigation between cells. When I do use the option + tab to move, it highlights the box or link that it is on with a blue box, which is new.

Any insight on what I can do to possibly fix the issue? I never realized how much I used tab to navigate until I couldn’t use it anymore.