Monroe County property record for 28 Sunset Cay Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 4,398 sqft · built 1994 |
| Lot Size | 0.684 acres (29,805 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $5,000,000 (Apr 2010) |
| Tax Bill | $30,514 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00572380-000000 |
| Primary APN | 00572380-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 4,398 sqft Living Area |
| 1st Floor Area | 4,168 sqft |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Other |
| Construction Type | Concrete |
| Foundation Type | Pile |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 29,805 sqft (0.684 acres) |
| Garage Area | 506 sqft |
| Pool Area | 420 sqft |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 3,016 sqft |
| Patio Area | 2,720 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1706884 |
|---|---|
| Old Parcel Number | 12594000572380000000 |
| Street Address | 28 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 14 AND OUTLOT 14 A SUBD OF A PORTION OF TR D OF OCEAN REEF PLAT 3 KEY LARGO PB4-91 PB5-63 OR392-859/60 OR398-952 |
| 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 | 14 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3095 |
| Census Tract | 972700 |
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 | Owner Name on Record |
|---|---|
| Mailing Address | 24 DOCKSIDE LN, KEY LARGO, FL 33037-5267 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 9, 2010 · Amount on Record |
| Deed Sale | Apr 9, 2010 · Amount on Record |
| Prior Sale | Dec 29, 2004 |
| Deed Document Number | 1784622 |
| Deed Book / Page | 2460 / 0752 |
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,652,296 (+5.99%) | $11,270,154 (-10.74%) Land $9,777,222 Building $1,492,932 | |
| 2024 | $30,514.00 (+2.06%) | ||
| 2023 | $29,898.00 (+4.76%) Homeowner's exemption | $4,389,498 (+3%) | $12,625,684 (+80.15%) Land $11,293,348 Building $1,332,336 |
| 2022 | $28,540.00 Homeowner's exemption | $4,261,649 | $7,008,471 Land $5,646,674 Building $1,361,797 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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.
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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