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

Monroe County property record for 17 Sunset Cay Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 5,456 sqft · built 1970
Lot Size	0.527 acres (22,941 sqft)
Owner	2 Individual Names on File
Last Sale	$4,250,000 (Aug 2020)
Tax Bill	$24,853 (2025)
Deeds & Mortgages	Aug 2020 Sale Aug 2020 Transfer + 3 more
Flood Zone	Zone AE (high risk)
APN	`00572480-000000`

Property Details

APN / Parcel Number

Primary APN	`00572480-000000`
Alternative APNs	`12594000572480000000` `1706981`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	5,456 sqft Living Area
Gross Area	6,000 sqft
1st Floor Area	5,456 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	22,941 sqft (0.527 acres)
Lot Dimensions	150 ft deep x 150 ft wide
View / Lot	Canal
Garage Type	Attached
Garage Area	544 sqft

Exterior Amenities

Pool Area	544 sqft
Porch	Florida Room
Porch Area	2,250 sqft
Patio Area	3,300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1706981
Street Address	17 SUNSET CAY RD
City	KEY LARGO
State	FL
Zip	33037-3723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 16 LT 24 A SUBD OF A PORTION OF TR D OF OCEAN REEF PLAT 3 KEY LARGO PB4-91 PB5-63 OR410-134/35 OR1357-1546/47 OR1552-2486/87 OR1654-2176/77 OR1750-441 OR1750-442/44 OR1750-445 OR1812-2445/46 OR1812-2447/49 OR1860-2475 OR2504-1523D/C OR3038-2252 OR
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	24
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3095
Census Tract	972700

Owner

17 Sunset Cay Rd is owned and occupied by two individuals who bought it in August 2020.

Source: Monroe County records, as of June 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	31 OCEAN REEF DR, C101, KEY LARGO, FL 33037-5265
Occupancy	Owner Occupied
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
Aug 19, 2020	Warranty Deed, Transfer REEF TITLE COMPANY, REEF TITLE CO
Aug 19, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 14, 2017	Deed of Trust, Mortgage QUICKEN LNS
Feb 9, 2017	Deed of Trust, Mortgage · Line of Credit QUICKEN LNS
Feb 9, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2020 · Amount on File
Deed Sale	Aug 19, 2020 · Amount on File
Prior Sale	Aug 19, 2020 · Amount on File
Deed Document Number	20202278148
Deed Book / Page	3038 / 2254
Transfer Doc	1812002445
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 19, 2020
Property Address	17 SUNSET CAY RD, KEY LARGO, FL 33037-3723
Document Number	0030382254
Book / Page	003038 / 002254
Instrument Date	Aug 19, 2020
Instrument	2278148
Transaction Type	Transfer
Record Updated	Oct 1, 2020
Title Company	REEF TITLE COMPANY, REEF TITLE CO

Transaction

Amount	Amount on Record
Tax	$208.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	31 OCEAN REEF DR KEY LARGO FL 330375282, KEY LARGO, FL 33037-5282

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Aug 19, 2020
Property Address	17 SUNSET CAY RD, KEY LARGO, FL 33037-3723
Document Number	0030382252
Book / Page	003038 / 002252
Instrument Date	Aug 13, 2020
Instrument	2278147
Transaction Type	Transfer
Record Updated	Oct 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14020 SW 92ND AVE MIAMI FL 331767118, MIAMI, FL 33176-7118

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	17 SUNSET CAY RD, KEY LARGO, FL 33037-3723
Document Number	0028851361
Book / Page	002885 / 001361
Instrument Date	Dec 14, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 SUNSET CAY RD KEY LARGO FL 330373723, KEY LARGO, FL 33037-3723

Mortgage

Document Number	0028851361
Date	Dec 29, 2017
Book Page	002885/001361
Instrument	2149437

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 28, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.55%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	17 SUNSET CAY RD, KEY LARGO, FL 33037-3723
Document Number	0028440001
Book / Page	002844 / 000001
Instrument Date	Feb 9, 2017
Transaction Type	Mortgage
Record Updated	Jun 13, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 SUNSET CAY RD KEY LARGO FL 330373723, KEY LARGO, FL 33037-3723

Mortgage

Document Number	0028440001
Date	Mar 16, 2017
Book Page	002844/000001
Instrument	2114557

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 15, 2047

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	17 SUNSET CAY RD, KEY LARGO, FL 33037-3723
Document Number	0028432470
Book / Page	002843 / 002470
Instrument Date	Feb 9, 2017
Transaction Type	Mortgage
Record Updated	Jun 13, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 SUNSET CAY RD KEY LARGO FL 330373723, KEY LARGO, FL 33037-3723

Mortgage

Document Number	0028432470
Date	Mar 16, 2017
Book Page	002843/002470
Instrument	2114555

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 15, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 17 Sunset Cay Rd was $24,853 with a homeowner's exemption, up 3.7% from the year before.

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	$24,853.00 (+3.71%) Homeowner's exemption	$3,644,281	$9,622,698 Land $8,857,520 Building $765,178
2024	$23,964.00 (+2.14%)
2023	$23,462.00 (+4.76%) Homeowner's exemption	$3,438,424 (+3%)	$10,922,939 (+87.28%) Land $10,194,980 Building $727,959
2022	$22,397.00 Homeowner's exemption	$3,338,276	$5,832,392 Land $5,097,490 Building $734,902

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

Flood

FEMA maps place 17 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	11.0 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 17 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 80% of the US · lower than 93% 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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