10 Sunset Cay Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 10 Sunset Cay Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 7,441 sqft · built 2011
Lot Size	0.568 acres (24,760 sqft)
Owner	2 Individual Names on File
Last Sale	$7,850,000 (Apr 2019)
Tax Bill	$77,437 (2025)
Deeds & Mortgages	Apr 2019 Sale Oct 2018 Construction Loan + 1 more
Flood Zone	Zone AE (high risk)
APN	`00572290-000000`

Property Details

APN / Parcel Number

Primary APN	`00572290-000000`
Alternative APNs	`12594000572290000000` `1706795`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	7,441 sqft Living Area
Gross Area	8,341 sqft
1st Floor Area	7,441 sqft
Flooring	Marble
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2015
Exterior Material	Other
Foundation Type	Pile
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	24,760 sqft (0.568 acres)
View / Lot	Canal
Garage Type	Attached
Garage Area	900 sqft

Exterior Amenities

Pool Area	792 sqft
Porch	Slab
Porch Area	2,838 sqft
Patio Area	68 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1706795
Street Address	10 SUNSET CAY RD
City	KEY LARGO
State	FL
Zip	33037-3726
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 16 LT 5 A SUBD OF A PORTION OF TR D OF OCEAN REEF PLAT 3 PB4-91 AND STRIP OF LAND BETWEEN LOT 5 AND SEAWALL OR512-888 OR662-455 OR700-502 OR700-504Q OR765-1513 OR844-495 OR1293-358 OR1969-2338/39 OR2067-2307/2308 OR2198-2348/50 OR2407-1163/64C OR2
Legal Range	40E
Legal Township	59S
Legal Section	12
Legal Subdivision	OCEAN REEF NO 3 SUBD OF
Legal Tract	D
Legal Block	16
Legal Lot Number	5
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3095
Census Tract	972700

Owner

10 Sunset Cay Rd is owned by two individuals who bought it in April 2019.

Source: Monroe County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	313 ORTEGA RD, RALEIGH, NC 27609-5821
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2019	Warranty Deed, Transfer REEF TITLE COMPANY, REEF TITLE CO
Oct 1, 2018	Trustee's Deed, Construction Loan · Construction Mortgage NORTHERN BK
Sep 1, 2018	Loan Modification, Mortgage IBERIABANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2019 · Amount on File
Deed Sale	Apr 4, 2019 · Amount on File
Prior Sale	Jan 7, 2010 · Amount on File
Deed Document Number	20192214013
Deed Book / Page	2957 / 496
Prior Transfer Date	May 11, 2010
Prior Transfer Doc	0024651328
Record Updated	Oct 29, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 4, 2019
Property Address	10 SUNSET CAY RD, KEY LARGO, FL 33037-3726
Document Number	0029570496
Book / Page	002957 / 000496
Instrument Date	Apr 1, 2019
Instrument	2214013
Transaction Type	Transfer
Record Updated	May 30, 2019
Title Company	REEF TITLE COMPANY, REEF TITLE CO

Transaction

Amount	Amount on Record
Tax	$384.65
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	200 PARK AT NORTH HILLS ST #1613 RALEIGH NC 276092657, 1613, RALEIGH, NC 27609-2657

October 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE FL
Recording Date	Oct 1, 2018
Property Address	10 SUNSET CAY RD, KEY LARGO, FL 33037-3726
Document Number	0029291210
Book / Page	002929 / 001210
Instrument Date	Sep 28, 2018
Instrument	2188715
Transaction Type	Construction Loan
Record Updated	Oct 30, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 SUNSET CAY RD KEY LARGO FL 330373726, KEY LARGO, FL 33037-3726

Mortgage

Document Number	29291210
Date	Oct 1, 2018
Book Page	002929/001210
Instrument	2188715

Lender

Name	NORTHERN BK
Type	Bank
Address	275 MISHAWUM RD, WOBURN, MA 01801-8805

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 30, 2019

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	10 SUNSET CAY RD, KEY LARGO, FL 33037-3726
Document Number	0029260689
Instrument Date	Sep 1, 2018
Transaction Type	Mortgage
Record Updated	Mar 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 SUNSET CAY RD KEY LARGO FL 330373726, KEY LARGO, FL 33037-3726

Mortgage

Document Number	0029260689
Date	Sep 10, 2018
Book Page	002926/000689
Instrument	2185933

Lender

Name	IBERIABANK
Type	Bank

Agreement

Amount	Amount on Record
Term	12 Months
Due	Sep 9, 2019

Interest

Rate Type	Adjustable Rate
Rate	2.87%

Tax Assessment & Valuation

The 2025 property tax bill for 10 Sunset Cay Rd was $77,437.

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	$77,437.00	$14,683,631 Land $9,366,708 Building $5,316,923	$14,683,631 Land $9,366,708 Building $5,316,923
2023	$70,214.00 (+56.82%)	$14,288,652 (+114.45%) Land $10,567,568 Building $3,721,084	$14,288,652 (+114.45%) Land $10,567,568 Building $3,721,084
2022	$44,774.00	$6,662,829 Land $3,314,374 Building $3,348,455	$6,662,829 Land $3,314,374 Building $3,348,455

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

Flood

FEMA maps place 10 Sunset Cay Rd 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	12.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 838 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	1,585 units insured incl. 747 condo units
Nearby Flood Claims	78 (2005–2023)
Claims Outside the SFHA	1 of 78
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 73 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

Wildfire risk around 10 Sunset Cay Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.01% 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 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000

May also be available: AT&T, T-Mobile.

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