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

Monroe County property record for 14 Sunset Cay Rd, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 4,239 sqft · built 1980
Lot Size0.538 acres (23,450 sqft)
Owner2 Company Names on File
Last Sale$4,450,000 (Aug 2019)
Tax Bill$50,982 (2025)
Deeds & MortgagesAug 2019 Sale
Flood ZoneZone AE (high risk)
APN00572310-000000

Property Details

APN / Parcel Number

Primary APN00572310-000000
Alternative APNs
  • 12594000572310000000
  • 1706817

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area4,239 sqft Living Area
Gross Area4,743 sqft
1st Floor Area4,239 sqft
FlooringCeramic Tile
Interior WallsPlaster

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 2005
Exterior MaterialOther
Construction TypeConcrete
Foundation TypeSlab (Mat/Raft)
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area23,450 sqft (0.538 acres)
View / LotCanal
Garage TypeAttached
Garage Area504 sqft

Exterior Amenities

Pool Area570 sqft
PorchSlab
Porch Area2,126 sqft
Deck Area730 sqft
Patio Area3,730 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1706817
Street Address14 SUNSET CAY RD
CityKEY LARGO
StateFL
Zip33037-3726
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 16 LT 7 A SUBD OF A PORTION OF TR D OF OCEAN REEF PLAT 3 KEY LARGO PB4-91 PB5-63 OR497-976 OR509-712 OR799-821 OR1496-2084 OR1496-2085/86M/T OR2448-1421/22 OR2625-1989D/C OR2742-620/30 OR2742-633/34 OR2978-0286
Legal Range40E
Legal Township59S
Legal Section12
Legal SubdivisionOCEAN REEF NO 3 SUBD OF
Legal TractD
Legal Block16
Legal Lot Number7
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group3
Census Block3095
Census Tract972700

Owner

14 Sunset Cay Rd is owned by a company that bought it in August 2019.

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

Owner of Record2 Company Names on File
Mailing Address2231 IDLEWILD DR, RICHLAND, MI 49083-9453
Owner TypeCompany
VestingBorrower in Default

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 2, 2019 · Amount on File
Deed SaleAug 2, 2019 · Amount on File
Prior SaleSep 1, 1979 · Amount on File
Deed Document Number20192231114
Deed Book / Page2978 / 286
Prior Transfer DateMay 15, 2015
Prior Transfer Doc0027420629
Record UpdatedOct 29, 2026

August 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMONROE FL
Recording DateAug 2, 2019
Property Address14 SUNSET CAY RD, KEY LARGO, FL 33037-3726
Document Number0029780286
Book / Page002978 / 000286
Instrument DateAug 1, 2019
Instrument2231114
Transaction TypeTransfer
Record UpdatedAug 20, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$31,150.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address2231 IDLEWILD DR RICHLAND MI 490839453, RICHLAND, MI 49083-9453

Tax Assessment & Valuation

The 2025 property tax bill for 14 Sunset Cay Rd was $50,982, down 3.9% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$50,982.00 (-3.94%)$9,880,063 Land $9,145,500 Building $734,563$9,880,063 Land $9,145,500 Building $734,563
2024$53,074.00 (+5.63%)
2023$50,243.00 (+50.91%)$10,980,678 (+88.45%) Land $10,318,000 Building $662,678$10,980,678 (+88.45%) Land $10,318,000 Building $662,678
2022$33,293.00$5,826,947 Land $5,159,000 Building $667,947$5,826,947 Land $5,159,000 Building $667,947

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

Flood

FEMA maps place 14 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation12.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 838 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies1,585 units insured
incl. 747 condo units
Nearby Flood Claims78 (2005–2023)
Claims Outside the SFHA1 of 78
Most Recent ClaimNov 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 14 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 RiskLow
lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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

ProviderMax Down / Up (Mbps)
Xfinity
Fiber		2,000 / 2,000

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

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