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

Monroe County property record for 32 Sunset Cay Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 5,061 sqft · built 1969
Lot Size	0.661 acres (28,800 sqft)
Owner	Company Name on Record
Last Sale	$100 (Oct 2019)
Tax Bill	$25,591 (2024)
Deeds & Mortgages	Apr 2022 Transfer Oct 2019 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`00572400-000000`

Property Details

APN / Parcel Number

Primary APN	`00572400-000000`
Alternative APNs	`12594000572400000000` `1706906`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	5,061 sqft Living Area
Gross Area	5,775 sqft
1st Floor Area	5,061 sqft
Flooring	Ceramic Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 2000
Exterior Material	Other
Construction Type	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	28,800 sqft (0.661 acres)
Garage Type	Attached
Garage Area	714 sqft

Exterior Amenities

Pool Area	480 sqft
Porch	Florida Room
Porch Area	1,837 sqft
Patio Area	6,800 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1706906
Street Address	32 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	A SUBD OF A PORTION OF TR D OF OCEAN REEF PLAT #3 KEY LARGO PB4-91 PB5-63 - LOT 16 & OUT LOT 16 OR415-394/95 OR683-498 OR1391-955/56 (U/R TR ON FILE FISHER) OR1544-1886/88 OR1718-1282/84 OR2987-1343 OR2989-0776C
Legal Range	40E
Legal Township	59S
Legal Section	12
Legal Subdivision	OCEAN REEF NO 3 SUBD OF
Legal Tract	D
Legal Lot Number	16
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 March 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	32 SUNSET CAY RD, KEY LARGO, FL 33037-3726
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2022	Affidavit of Death of Joint Tenant, Transfer ATTORNEY ONLY, ATTORNEY
Oct 11, 2019	Correction Deed, Transfer ATTORNEY ONLY
Oct 2, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2019 · Amount on Record
Deed Sale	Oct 11, 2019 · Amount on Record
Prior Sale	Oct 2, 2019 · Amount on Record
Deed Document Number	20192240362
Deed Book / Page	2989 / 776
Transfer Doc	1391000955
Record Updated	Oct 29, 2026

April 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	MONROE FL
Recording Date	Apr 4, 2022
Property Address	32 SUNSET CAY RD, KEY LARGO, FL 33037-3726
Document Number	0031650646
Book / Page	3165 / 646
Map Reference	MB 4 PG 91
Instrument Date	Mar 21, 2022
Instrument	2368924
Transaction Type	Transfer
Record Updated	Mar 6, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	MONROE FL
Recording Date	Oct 11, 2019
Property Address	32 SUNSET CAY RD, KEY LARGO, FL 33037-3726
Document Number	0029890776
Book / Page	002989 / 000776
Instrument Date	Oct 10, 2019
Instrument	2240362
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	24 DOCKSIDE LN KEY LARGO FL 330375267, KEY LARGO, FL 33037-5267

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Oct 2, 2019
Property Address	32 SUNSET CAY RD, KEY LARGO, FL 33037-3726
Document Number	0029871343
Book / Page	002987 / 001343
Instrument Date	Sep 27, 2019
Instrument	2238964
Transaction Type	Transfer
Record Updated	Oct 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	24 DOCKSIDE LN KEY LARGO FL 330375267, KEY LARGO, FL 33037-5267

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		$3,894,690 (+5.99%)	$13,082,228 (-10.54%) Land $12,231,180 Building $851,048
2024	$25,591.00 (+2.11%)
2023	$25,061.00 (+4.76%) Homeowner's exemption	$3,674,688 (+3%)	$14,622,769 (+89.44%) Land $13,799,280 Building $823,489
2022	$23,923.00 Homeowner's exemption	$3,567,659	$7,718,893 Land $6,899,640 Building $819,253

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	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	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 94% of the US · lower than 94% 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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