32 Sunset Key Dr, Key West, FL 33040 Property Records

Monroe County property record for 32 Sunset Key Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,635 sqft · built 2002
Lot Size	0.161 acres (7,030 sqft)
Owner	2 Individual Names on File
Last Sale	$7,850,000 (Aug 2022)
Tax Bill	$54,194 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`00000200-000530`

Property Details

APN / Parcel Number

Primary APN	`00000200-000530`
Alternative APNs	`01010100000200000530` `8885288`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Units	2 Units
Stories	3 Stories
Building Area	3,635 sqft Living Area
1st Floor Area	3,635 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2015
Exterior Material	Other
Foundation Type	Pile
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	7,030 sqft (0.161 acres)
View / Lot	Waterfront
Garage Type	Covered
Garage Area	180 sqft

Exterior Amenities

Pool Area	546 sqft
Porch	Open Porch
Porch Area	1,727 sqft
Deck Area	307 sqft
Patio Area	594 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	8885288
Street Address	32 SUNSET KEY DR
City	KEY WEST
State	FL
Zip	33040-8383
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HPRD
Legal Description	KW PARCEL OF FILLED LAND LYING WLY OF THE ISLAND OF KEY WEST (LOT 32 OF PARCEL J SUNSET ISLAND) .1613AC OR1302-2195-2270DEC OR1385-1788/1877AMD OR1396-2053/2056 OR1396-2089/2263AMD OR1638-2193/2203 OR2816-568/77 OR3187-1493
Legal Range	24E
Legal Township	67S
Legal Section	36
Legal Subdivision	SUNSET TANK ISLAND
Legal Lot Number	32
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2056
Census Tract	972500

Owner

32 Sunset Key Dr is owned and occupied by two individuals who bought it in August 2022.

Source: Monroe County records, as of September 24, 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	2 Individual Names on File
Mailing Address	3140 NORTHSIDE DR, A, KEY WEST, FL 33040-8011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2022 · Amount on File
Deed Sale	Aug 4, 2022 · Amount on File
Prior Sale	Jun 16, 2000 · Amount on File
Deed Document Number	20222386449
Deed Book / Page	3187 / 1493
Prior Transfer Date	Sep 6, 2016
Prior Transfer Doc	0028160568
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 4, 2022
Property Address	32 SUNSET KEY DR, KEY WEST, FL 33040-8383
Document Number	0031871493
Book / Page	3187 / 1493
Map Reference	MB 1500 PG 1002
Instrument Date	Jul 29, 2022
Instrument	2386449
Transaction Type	Transfer
Record Updated	Aug 31, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$54,950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3202 ALHAMBRA CIR, 3202, CORAL GABLES, FL 33134-6208

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 SUNSET KEY DR, KEY WEST, FL 33040-8383

Mortgage

Document Number	0031871498
Date	Aug 4, 2022
Instrument	3187/1498

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

Tax Assessment & Valuation

The 2025 property tax bill for 32 Sunset Key Dr was $54,194 with a homeowner's exemption, down 0.2% from the year before.

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Municipality	Key West City
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$54,194.00 (-0.24%) Homeowner's exemption	$6,582,727 Land $4,718,149 Building $1,864,578	$6,582,727 Land $4,718,149 Building $1,864,578
2024	$54,325.00 (+1.46%)
2023	$53,542.00 (+2.48%) Homeowner's exemption	$6,402,899 (-5.14%)	$6,875,200 (+1.85%) Land $5,360,727 Building $1,514,473
2022	$52,245.00	$6,750,104 Land $5,218,721 Building $1,531,383	$6,750,104 Land $5,218,721 Building $1,531,383

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

Flood

FEMA maps place 32 Sunset Key Dr in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 307 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	746 units insured incl. 439 condo units
Nearby Flood Claims	53 (2005–2017)
Claims Outside the SFHA	5 of 53
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 50 claims Hurricane Wilma, Oct 2005 · 2 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

The area around 32 Sunset Key Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fiber	1,000 / 1,000

May also be available: Verizon.

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