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

Monroe County property record for 4 Sunset Cay Rd, Key Largo, FL 33037 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 5.5 ba · 12,225 sqft · built 1996
Lot Size0.553 acres (24,100 sqft)
OwnerCompany Name on File
Last Sale$1,975,000 (Oct 1996)
Tax Bill$27,198 (2025)
Deeds & MortgagesDec 2020 Transfer
Flood ZoneZone VE (high risk)
APN00572260-000000

Property Details

APN / Parcel Number

Primary APN00572260-000000
Alternative APNs
  • 12594000572260000000
  • 1706761

Interior

Bedrooms4 Beds
Full Baths5.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area12,225 sqft Living Area
Gross Area12,865 sqft
1st Floor Area12,225 sqft
Basement Area2,853 sqft
FlooringCeramic Tile
Interior WallsPlaster
Fireplaces1 Fireplace
FireplaceFireplace
ElevatorElevator

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 2005
Exterior MaterialOther
Construction TypeConcrete
Roof TypeCathedral/Clerestory
Roof MaterialTile
Lot Area24,100 sqft (0.553 acres)
Lot Dimensions150 ft deep x 150 ft wide
View / LotCanal
Garage TypeAttached
Garage Area640 sqft

Exterior Amenities

Pool Area665 sqft
PorchSlab
Porch Area3,678 sqft
Deck Area3,075 sqft
Patio Area9 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1706761
Street Address4 SUNSET CAY RD
CityKEY LARGO
StateFL
Zip33037-3726
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 16 LT 2 AND PT PARCEL ADJ AND SELY LT 2 OCEAN REEF PLAT 3 PB4-91 KEY LARGO OR280-67-68 CO JUD DOCK 1-73-48 OR1230-296/98 OR1358-288/89 OR1360-224/26 OR1360-227/29 OR1360-230/33 OR1425-1915/17 OR2593-694 OR3061-0551
Legal Range40E
Legal Township59S
Legal Section12
Legal SubdivisionOCEAN REEF NO 3 SUBD OF
Legal TractD
Legal Block16
Legal Lot Number2
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group3
Census Block3095
Census Tract972700

Owner

Source: Monroe County records · APN 00572260-000000

Assessment roll updated December 8, 2025 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address4 SUNSET CAY RD, KEY LARGO, FL 33037-3726
OccupancyOwner Occupied
Owner TypeCompany
VestingBorrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 10, 1996 · Amount on Record
Deed SaleOct 10, 1996 · Amount on Record
Prior SaleJul 03, 1995 · Amount on Record
Deed Book / Page1425 / 1913
Last Transfer DateNov 10, 2020
Transfer Doc0030610551
Record UpdatedJun 08, 2026

December 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateDec 08, 2020
Property Address4 SUNSET CAY RD, KEY LARGO, FL 33037-3726
Document Number0030610551
Book / Page003061 / 000551
Instrument DateNov 10, 2020
Instrument2293831
Transaction TypeTransfer
Record UpdatedDec 24, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address4 SUNSET CAY RD KEY LARGO FL 330373726, KEY LARGO, FL 33037-3726

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified May 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$27,198.00 (+3.71%) Homeowner's exemption Widower's exemption$3,997,439 (+11.58%)$11,161,720 (-8.21%) Land $9,211,020 Building $1,950,700
2024$26,225.00 (+7.47%)
2023$24,403.00 (+4.63%) Senior Citizen's exemption$3,582,550 (+3%)$12,160,099 (+73.59%) Land $10,391,920 Building $1,768,179
2022$23,324.00 Senior Citizen's exemption$3,478,204$7,005,062 Land $5,195,960 Building $1,809,102

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879727003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone VE
coastal, wave action
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation13.0 ft
CoastalYes
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 838 individual NFIP policies nearby
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies1,585 units insured
747 under condo master policies
Nearby Flood Claims78 (2005–2023)
Claims Outside the SFHA1 of 78
Most Recent ClaimNov 2023, rainfall accumulation
Claims By Storm
  • Hurricane Irma, Sep 2017 · 73 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 175 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityFiber2,000 / 2,000

May also be available at this address: T-Mobile USA, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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