1 Sunset Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 1 Sunset Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,385 sqft · built 2015
Lot Size	0.277 acres (12,070 sqft)
Owner	2 Individual Names on Record
Last Sale	$715,000 (Aug 2026)
Tax Bill	$3,791 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Feb 2022 Transfer
Flood Zone	Zone AE (high risk)
APN	`00490590-000000`

Property Details

APN / Parcel Number

Primary APN	`00490590-000000`
Alternative APNs	`13623800490590000000` `1606839`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,385 sqft Living Area
1st Floor Area	1,385 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	12,070 sqft (0.277 acres)
Porch	Slab
Porch Area	95 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1606839
Street Address	1 SUNSET RD
City	KEY LARGO
State	FL
Zip	33037-2007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 1 LT 24 SUNSET POINT PB2-81 KEY LARGO OR422-1029 OR674-11 OR687-399 OR866-08 OR917-1974 OR917-1978 OR1992-1311 OR2009-201 OR2067-1971 OR2599-1514 OR2733-1525CE OR2738-753 OR2829-1734 OR2858-2443 OR3154-0913
Legal Range	38E
Legal Township	62S
Legal Section	13
Legal Subdivision	SUNSET POINT
Legal Block	1
Legal Lot Number	24
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1040
Census Tract	970600

Owner

Source: Monroe County records, as of August 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1 SUNSET RD, KEY LARGO, FL 33037-2007
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Feb 10, 2022	Intrafamily Transfer, Transfer ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2026 · Amount on Record
Deed Sale	Aug 4, 2026 · Amount on Record
Prior Sale	May 1, 2015 · Amount on Record
Deed Document Number	20262555182
Deed Book / Page	3396 / 235
Prior Transfer Date	Feb 9, 2022
Prior Transfer Doc	0031540913
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 4, 2026
Property Address	1 SUNSET RD, KEY LARGO, FL 33037-2007
Document Number	0002555182
Book / Page	3396 / 235
Instrument Date	Jul 31, 2026
Instrument	20262555182
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	ADVANCE PARTNERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$505,505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 SUNSET RD, KEY LARGO, FL 33037-2007

Mortgage

Document Number	0002555183,
Date	Aug 4, 2026
Instrument	20262555183

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Feb 10, 2022
Property Address	1 SUNSET RD, KEY LARGO, FL 33037-2007
Document Number	0031540913
Book / Page	3154 / 913
Map Reference	MB 2 PG 81
Instrument Date	Feb 9, 2022
Instrument	2360865
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	1 SUNSET RD, KEY LARGO, FL 33037-2007

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,791.00 (+5.25%) Homeowner's exemption Widower's exemption	$445,862 (+5.99%)	$729,930 (-0.92%) Land $418,008 Building $311,922
2024	$3,602.00 (+4.95%)
2023	$3,432.00 (+10.39%) Senior Citizen's exemption	$420,677 (+3%)	$736,706 (+17.43%) Land $450,163 Building $286,543
2022	$3,109.00	$408,425	$627,373 Land $337,622 Building $289,751

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 272 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	272 in force
Nearby Flood Claims	100 (1981–2024)
Claims Outside the SFHA	9 of 100
Most Recent Claim	May 2024 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 42 claims Hurricane Wilma, Oct 2005 · 37 claims Hurricane Andrew, Aug 1992 · 4 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 216 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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