12 Sunset Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 12 Sunset Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,763 sqft · built 1961
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$560,000 (Jan 2005)
Tax Bill	$3,615 (2024)
Deeds & Mortgages	Mar 2017 Mortgage Jan 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00491090-000000`

Property Details

APN / Parcel Number

Primary APN	`00491090-000000`
Alternative APNs	`13623800491090000000` `1607312`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,763 sqft Living Area
1st Floor Area	2,167 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Covered
Garage Area	925 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	1,932 sqft
Patio Area	212 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1607312
Street Address	12 SUNSET RD
City	KEY LARGO
State	FL
Zip	33037-2008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	SUNSET POINT ADDN PB3-41 KEY LARGO W 25 LOT 6 & ALL LOT 7 OR442-508 OR1001-2192 OR1789-2452 OR2076-417 OR2076-418 OR3071-1239
Legal Range	38E
Legal Township	62S
Legal Section	13
Legal Subdivision	SUNSET POINT ADD
Legal Lot Number	6,7
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1030
Census Tract	970600

Owner

Source: Monroe County records, as of March 19, 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	12 SUNSET RD, KEY LARGO, FL 33037-2008
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UBS BANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2005 · Amount on Record
Deed Sale	Jan 14, 2005 · Amount on Record
Prior Sale	Jun 5, 2002 · Amount on Record
Deed Document Number	20051490543
Deed Book / Page	2076 / 418
Last Transfer Date	Jan 20, 2021
Transfer Doc	0030711239
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	12 SUNSET RD, KEY LARGO, FL 33037-2008
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028412266
Date	Mar 6, 2017
Book Page	2841/2266
Instrument	2112819

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Jan 27, 2021
Property Address	12 SUNSET RD, KEY LARGO, FL 33037-2008
Document Number	0030711239
Book / Page	3071 / 1239
Map Reference	MB 3 PG 41
Instrument Date	Jan 20, 2021
Instrument	2301236
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	FIDELITY NATIONAL TITLE

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	Joint Tenants with Right of Survivorship
Address	12 SUNSET RD, KEY LARGO, FL 33037-2008

Mortgage

Document Number	0030711240
Date	Jan 27, 2021
Instrument	3071/1240

Lender

Name	UBS BANK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

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		$402,407 (+5.99%)	$803,231 (-2.16%) Land $442,000 Building $361,231
2024	$3,615.00 (+4.51%)
2023	$3,459.00 (+14.84%) Homeowner's exemption	$379,677 (+13.75%)	$820,969 (+24.22%) Land $476,000 Building $344,969
2022	$3,012.00 Homeowner's exemption	$333,791	$660,886 Land $357,000 Building $303,886

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	8.0 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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