43 Sunset Ct, Key Largo, FL 33037 Property Records

Monroe County property record for 43 Sunset Ct, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,332 sqft · built 1987
Lot Size	0.164 acres (7,159 sqft)
Owner	Trust Name on File
Last Sale	$595,000 (Jun 2021)
Tax Bill	$4,923 (2024)
Deeds & Mortgages	May 2023 Transfer Jun 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00490670-000000`

Property Details

APN / Parcel Number

Primary APN	`00490670-000000`
Alternative APNs	`13623800490670000000` `1606910`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,332 sqft Living Area
1st Floor Area	816 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2012
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,159 sqft (0.164 acres)
Lot Dimensions	143 ft deep x 50 ft wide
Garage Type	Covered
Garage Area	348 sqft
Porch	Open Porch
Porch Area	1,293 sqft
Patio Area	132 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1606910
Street Address	43 SUNSET CT
City	KEY LARGO
State	FL
Zip	33037-2037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 2 LT 8 SUNSET POINT KEY LARGO PB2-81 G63-568 OR574-581 OR954-2475 OR1153-1669 OR1167-1214 OR1205-1753 OR1315-1258 OR1389-468 OR1749-456 OR2638-476 OR3103-2009 OR3226-1565 OR3297-2157
Legal Range	38E
Legal Township	62S
Legal Section	13
Legal Subdivision	SUNSET POINT
Legal Block	2
Legal Lot Number	8
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1041
Census Tract	970600

Owner

43 Sunset Ct is held in a trust since June 2021.

Source: Monroe County records, as of March 19, 2026

Owner of Record	Trust Name on File
Mailing Address	10604 ERVIN MCGARRAH RD, LOWELL, AR 72745-9324
Owner Type	Company
Vesting	Trust, Revocable Trust

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

Deeds, Mortgages & Sale History

Date	Document
May 23, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jun 8, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2021 · Amount on File
Deed Sale	Jun 8, 2021 · Amount on File
Prior Sale	Jul 8, 2013 · Amount on File
Deed Document Number	20212324004
Deed Book / Page	3103 / 2009
Transfer Doc	1389000468
Record Updated	Oct 29, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	May 23, 2023
Property Address	43 SUNSET CT, KEY LARGO, FL 33037-2037
Document Number	0032261565
Book / Page	3226 / 1565
Map Reference	MB 2 PG 81
Instrument Date	May 22, 2023
Instrument	2419086
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10604 ERVIN MCGARRAH RD, LOWELL, AR 72745-9324

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	10604 ERVIN MCGARRAH RD, LOWELL, AR 72745-9324

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 8, 2021
Property Address	43 SUNSET CT, KEY LARGO, FL 33037-2037
Document Number	0031032009
Book / Page	3103 / 2009
Map Reference	MB 2 PG 81
Instrument Date	Jun 7, 2021
Instrument	2324004
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	CORAL REEF TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,165.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2317 NE 12TH ST, 2317, FORT LAUDERDALE, FL 33304-1529

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10604 ERVIN MCGARRAH RD, LOWELL, AR 72745-9324

Mortgage

Document Number	31032011
Date	Jun 8, 2021
Instrument	3103/2011

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

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		$588,593 Land $372,268 Building $216,325	$588,593 Land $372,268 Building $216,325
2024	$4,923.00 (-1.81%)
2023	$5,014.00 (+15.9%)	$602,793 (+18.89%) Land $400,904 Building $201,889	$602,793 (+18.89%) Land $400,904 Building $201,889
2022	$4,326.00	$507,007 Land $300,678 Building $206,329	$507,007 Land $300,678 Building $206,329

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

Flood

FEMA maps place 43 Sunset Ct in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 272 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	272 in force
Nearby Flood Claims	100 (1981–2024)
Claims Outside the SFHA	9 of 100
Most Recent Claim	May 2024 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 42 claims Hurricane Wilma, Oct 2005 · 37 claims Hurricane Andrew, Aug 1992 · 4 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

Wildfire risk around 43 Sunset Ct is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% 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 216 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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