Monroe County property record for 12 Sunset Cay Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,876 sqft · built 1966 |
| Lot Size | 0.555 acres (24,203 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $3,900,000 (Oct 2007) |
| Tax Bill | $56,118 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00572300-000000 |
| Primary APN | 00572300-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,876 sqft Living Area |
| 1st Floor Area | 2,876 sqft |
| Interior Walls | Wood |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Other |
| Construction Type | Concrete |
| Foundation Type | Pile |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tar & Gravel |
| Lot Area | 24,203 sqft (0.555 acres) |
| Garage Area | 550 sqft |
| Pool Area | 450 sqft |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 3,459 sqft |
| Patio Area | 3,000 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1706809 |
|---|---|
| Old Parcel Number | 12594000572300000000 |
| Street Address | 12 SUNSET CAY RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 16 LT 6 A SUBD OF A PORTION OF TR D OF OCEAN REEF PLAT #3 KEY LARGO PB4-91 PB5-63 & STRIP OF LAND BETWEEN LT 6 AND SEAWALL |
| Legal Range | 40E |
| Legal Township | 59S |
| Legal Section | 12 |
| Legal Subdivision | OCEAN REEF NO 3 SUBD OF TRACT D |
| Legal Tract | D |
| Legal Block | 16 |
| Legal Lot Number | 6 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3095 |
| Census Tract | 972700 |
The current owner of 12 Sunset Cay Rd bought it in October 2007.
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 | 2 Owner Names on File |
|---|---|
| Mailing Address | 38 SNAKE HILL RD, COLD SPRING HARBOR, NY 11724-1106 |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2007 · Amount on File |
| Deed Sale | Oct 2, 2007 · Amount on File |
| Prior Sale | Oct 29, 1997 · Amount on File |
| Deed Document Number | 1664760 |
| Deed Book / Page | 2323 / 1715 |
| 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 | $10,242,445 Land $9,249,240 Building $993,205 | $10,242,445 Land $9,249,240 Building $993,205 | |
| 2024 | $56,118.00 (+5.29%) | ||
| 2023 | $53,300.00 (+48.01%) | $11,415,880 (+83.56%) Land $10,435,040 Building $980,840 | $11,415,880 (+83.56%) Land $10,435,040 Building $980,840 |
| 2022 | $36,011.00 | $6,219,302 Land $5,217,520 Building $1,001,782 | $6,219,302 Land $5,217,520 Building $1,001,782 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 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 |
|
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 12 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.
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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