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

Monroe County property record for 26 Sunset Cay Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,502 sqft · built 1968
Lot Size	0.56 acres (24,415 sqft)
Owner	2 Individual Names on Record
Last Sale	$7,950,000 (Feb 2021)
Tax Bill	$65,086 (2023)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Jan 2021 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`00572370-000000`

Property Details

APN / Parcel Number

Primary APN	`00572370-000000`
Alternative APNs	`12594000572370000000` `1706876`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,502 sqft Living Area
1st Floor Area	3,502 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2010
Exterior Material	Other
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	24,415 sqft (0.56 acres)
Garage Area	391 sqft

Exterior Amenities

Pool Area	420 sqft
Porch	Enclosed Porch
Porch Area	2,031 sqft
Deck Area	2,520 sqft
Patio Area	6,120 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1706876
Old Parcel Number	12594000572370000000
Street Address	26 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 13 A SUBD OF A PORTION OF TR D OF OCEAN REEF PLAT KEY LARGO PB4-91 PB5-63 OR558-1078 OR819-2021 OR1595-828/30
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	13
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3095
Census Tract	972700

Owner

Source: Monroe County records, as of December 5, 2025

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
Co-owner	Co-owner on Record
Mailing Address	26 SUNSET CAY RD, KEY LARGO, FL 33037-3726
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2021	Warranty Deed, Transfer · Conventional Mortgage CITIBANK NA
Jan 15, 2021	Quit Claim Deed, Transfer ATTORNEY
Mar 13, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 12, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Feb 1, 2021 · Amount on Record
Deed Sale	Feb 1, 2021 · Amount on Record
Prior Sale	Jan 15, 2021
Deed Document Number	2301789
Deed Book / Page	3072 / 1214
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 1, 2021
Property Address	26 SUNSET CAY RD, KEY LARGO, FL 33037-3726
Document Number	0030721214
Book / Page	3072 / 1214
Map Reference	MB 5 PG 63
Instrument Date	Jan 23, 2021
Instrument	2301789
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	PREMIER TITLE COMPANY LTD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$55,650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5001 EGRET POINT CIR, 5001, BOCA RATON, FL 33431-5248

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 SEWALL RD, WOLFEBORO, NH 03894-4117

Mortgage

Document Number	0030721218
Date	Feb 1, 2021
Instrument	3072/1218

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Feb 1, 2031
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.25%
Index	1-Year LIBOR
Max Rate	7.25%

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Jan 15, 2021
Property Address	26 SUNSET CAY RD, KEY LARGO, FL 33037-3726
Document Number	0030690863
Book / Page	3069 / 863
Map Reference	MB 5 PG 63
Instrument Date	Jan 12, 2021
Instrument	2299679
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	35 OCEAN REEF DR STE 200, 35, KEY LARGO, FL 33037-5259

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5300 BROKEN SOUND BLVD NW STE 110, 110, BOCA RATON, FL 33487-3519

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Mar 13, 2018
Property Address	26 SUNSET CAY RD, KEY LARGO, FL 33037-3726
Document Number	0028960167
Book / Page	002896 / 000167
Instrument Date	Mar 5, 2018
Instrument	2159299
Transaction Type	Transfer
Record Updated	Mar 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	5300 BROKEN SOUND BLVD NW #110 BOCA RATON FL 334873519, 110, BOCA RATON, FL 33487-3519

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 12, 2018
Property Address	26 SUNSET CAY RD, KEY LARGO, FL 33037-3726
Document Number	0028870428
Book / Page	002887 / 000428
Instrument Date	Jan 11, 2018
Instrument	2150960
Transaction Type	Transfer
Record Updated	Jan 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$41,825.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5001 EGRET POINT CIR BOCA RATON FL 334315248, BOCA RATON, FL 33431-5248

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$11,188,089 (-17.15%) Land $9,331,413 Building $1,856,676	$11,188,089 (-17.15%) Land $9,331,413 Building $1,856,676
2023	$65,086.00 (+61.46%)	$13,504,255 (+125.37%) Land $10,527,748 Building $2,976,507	$13,504,255 (+125.37%) Land $10,527,748 Building $2,976,507
2022	$40,312.00	$5,992,160 Land $3,301,885 Building $2,690,275	$5,992,160 Land $3,301,885 Building $2,690,275

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	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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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