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

Monroe County property record for 20 Sunset Cay Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 6,613 sqft · built 2024
Lot Size	0.561 acres (24,425 sqft)
Owner	2 Individual Names on File
Last Sale	$5,500,000 (May 2021)
Tax Bill	$34,678 (2024)
Deeds & Mortgages	Mar 2022 Construction Loan May 2021 Sale & Line of Credit
Flood Zone	Zone AE (high risk)
APN	`00572340-000000`

Property Details

APN / Parcel Number

Primary APN	`00572340-000000`
Alternative APNs	`12594000572340000000` `1706841`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	1 Story
Building Area	6,613 sqft Living Area
Gross Area	7,573 sqft
1st Floor Area	6,613 sqft
Attic	Attic
Attic Area	270 sqft
Flooring	Ceramic Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Other
Construction Type	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	24,425 sqft (0.561 acres)
Lot Dimensions	150 ft deep x 150 ft wide
View / Lot	Canal
Garage Type	Attached
Garage Area	960 sqft

Exterior Amenities

Pool Area	465 sqft
Porch	Florida Room
Porch Area	1,585 sqft
Patio Area	880 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1706841
Street Address	20 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 10 A SUBD OF A PORTION OF TR D OF OCEAN REEF PLAT #3 KEY LARGO PB4-91 PB5-63 OR446-985/87 OR586-63 OR852-1984/92 OR1274-1545/46 OR1345-828/31 OR1345-832/36 OR1349-1692/93 OR2765-800/01 OR3094-1546
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	10
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3095
Census Tract	972700

Owner

20 Sunset Cay Rd is owned by two individuals who bought it in May 2021.

Source: Monroe County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1611 STONEHILL WAY, BETHLEHEM, PA 18015-8964
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
Mar 14, 2022	Deed of Trust, Mortgage · Construction Mortgage FIRST HORIZON BANK
May 4, 2021	Deed, Transfer · Line of Credit FIRST HORIZON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2021 · Amount on File
Deed Sale	May 4, 2021 · Amount on File
Prior Sale	Mar 15, 1995 · Amount on File
Deed Document Number	20212317637
Deed Book / Page	3094 / 1546
Prior Transfer Date	Apr 5, 1995
Prior Transfer Doc	1349001692
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	20 SUNSET CAY RD, KEY LARGO, FL 33037-3726
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1611 STONEHILL WAY, BETHLEHEM, PA 18015-8964

Mortgage

Document Number	0031601368
Date	Mar 14, 2022
Book Page	3160/1368
Instrument	2365555

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Apr 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.87%
Index	Other
Max Rate	7.87%

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE FL
Recording Date	May 4, 2021
Property Address	20 SUNSET CAY RD, KEY LARGO, FL 33037-3726
Document Number	0030941546
Book / Page	3094 / 1546
Map Reference	MB 5 PG 63
Instrument Date	Apr 27, 2021
Instrument	2317637
Transaction Type	Transfer
Record Updated	Dec 8, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1350 PARK GARDEN LN, RESTON, VA 20194-2012

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1611 STONEHILL WAY, BETHLEHEM, PA 18015-8964

Mortgage

Document Number	0030941549
Date	May 4, 2021
Instrument	3094/1549

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

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		$16,076,506 Land $9,335,235 Building $6,741,271	$16,076,506 Land $9,335,235 Building $6,741,271
2024	$34,678.00 (-34.81%)
2023	$53,194.00 (+50.76%)	$10,568,770 (+99.28%) Land $10,532,060 Building $36,710	$10,568,770 (+99.28%) Land $10,532,060 Building $36,710
2022	$35,284.00	$5,303,437 Land $5,266,030 Building $37,407	$5,303,437 Land $5,266,030 Building $37,407

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

Flood

FEMA maps place 20 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 20 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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