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

Monroe County property record for 40 Sunset Cay Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 4,509 sqft · built 1994
Lot Size	0.62 acres (27,000 sqft)
Owner	2 Company Names on Record
Tax Bill	$66,721 (2025)
Deeds & Mortgages	Jul 2026 Sale Jul 2026 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`00572440-000000`

Property Details

APN / Parcel Number

Primary APN	`00572440-000000`
Alternative APNs	`12594000572440000000` `1706949`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Stories	1 Story
Building Area	4,509 sqft Living Area
Gross Area	4,985 sqft
1st Floor Area	4,509 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2009
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	27,000 sqft (0.62 acres)
View / Lot	Canal
Garage Type	Attached
Garage Area	476 sqft

Exterior Amenities

Pool Area	480 sqft
Porch	Florida Room
Porch Area	2,706 sqft
Patio Area	1,540 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1706949
Street Address	40 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	BK 16 LT 20 A SUBD OF A PORTION OF TR D OF OCEAN REEF PLAT #3 KEY LARGO PB4-91 PB5-63 OR268-376/377 OR405-465-466 OR632-272 OR756-1358 OR1020-613Q/C OR1214-1798/99 OR1214-1803AFF OR1260-2087AFF OR1818-2183/84 OR2156-1063/65 OR2156-1066/67 OR2863-979/
Legal Range	40E
Legal Township	59S
Legal Section	12
Legal Subdivision	OCEAN REEF NO 3 SUBD OF
Legal Tract	D
Legal Block	16
Legal Lot Number	20
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 July 22, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	46-2 SILL LN, OLD LYME, CT 06371-1167
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jul 7, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jul 7, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2002
Deed Sale	Sep 30, 2002
Prior Sale	May 1, 1992 · Amount on Record
Deed Book / Page	1818 / 2183
Transfer Doc	1818002183
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 7, 2026
Property Address	40 SUNSET CAY RD, KEY LARGO, FL 33037-3726
Document Number	0002550622
Book / Page	3390 / 1956
Instrument Date	Jun 26, 2026
Instrument	20262550622
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 7, 2026
Property Address	40 SUNSET CAY RD, KEY LARGO, FL 33037-3726
Document Number	0002550632
Book / Page	3390 / 1987
Instrument Date	Jun 23, 2026
Instrument	20262550632
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Jul 7, 2017
Property Address	40 SUNSET CAY RD, KEY LARGO, FL 33037-3726
Document Number	0028630979
Book / Page	002863 / 000979
Instrument Date	Jun 30, 2017
Instrument	2130210
Transaction Type	Transfer
Record Updated	Jul 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	60 SHORE RD WATERFORD CT 063853722, WATERFORD, CT 06385-3722

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	$66,721.00	$13,314,603 (-7.59%) Land $12,183,210 Building $1,131,393	$13,314,603 (-7.59%) Land $12,183,210 Building $1,131,393
2024		$14,408,665 (+0.72%) Land $13,264,560 Building $1,144,105	$14,408,665 (+0.72%) Land $13,264,560 Building $1,144,105
2023	$64,620.00 (+51.08%)	$14,305,991 (+87.3%) Land $13,115,520 Building $1,190,471	$14,305,991 (+87.3%) Land $13,115,520 Building $1,190,471
2022	$42,771.00	$7,638,018 Land $6,557,760 Building $1,080,258	$7,638,018 Land $6,557,760 Building $1,080,258

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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