460 Sunset Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 460 Sunset Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,084 sqft · built 2019
Lot Size	0.114 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$559,000 (Aug 2020)
Tax Bill	$4,175 (2024)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00496870-000000`

Property Details

APN / Parcel Number

Primary APN	`00496870-000000`
Alternative APNs	`33613900496870000000` `1614785`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,084 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2020
Exterior Material	Other
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,000 sqft (0.114 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	362 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	1614785
Old Parcel Number	33613900496870000000
Street Address	460 SUNSET DR
City	KEY LARGO
State	FL
Zip	33037-2430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 2 LTS 6 AND 7 LAZY LAGOON PB2-126 OR300-50 OR496-130 OR819-547D/C OR889-1857AFF OR919-756/59(CASE-86-299-CP-10) OR1032-585
Legal Range	39E
Legal Township	61S
Legal Section	33
Legal Subdivision	LAZY LAGOON
Legal Block	2
Legal Lot Number	6-7
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1039
Census Tract	970500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within John Pennekamp Coral Reef State Park and Reserve listed 1972 · 10 contributing resources · NRIS 72000340

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

460 Sunset Dr is owned and occupied by an individual who bought it in August 2020.

Source: Monroe County records, as of December 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	460 SUNSET DR, KEY LARGO, FL 33037-2430
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2020 · Amount on File
Deed Sale	Aug 13, 2020 · Amount on File
Prior Sale	Apr 15, 2013 · Amount on File
Deed Document Number	2276987
Deed Book / Page	3037 / 424
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 13, 2020
Property Address	460 SUNSET DR, KEY LARGO, FL 33037-2430
Document Number	0030370424
Book / Page	3037 / 424
Map Reference	MB 2 PG 126
Instrument Date	Aug 12, 2020
Instrument	2276987
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,913.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 370074, KEY LARGO, FL 33037-0074

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	460 SUNSET DR, KEY LARGO, FL 33037-2430

Mortgage

Document Number	0003037426
Date	Aug 13, 2020
Instrument	3037/426

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$515,559	$800,579 Land $366,025 Building $434,554
2024	$4,175.00 (+4.56%)
2023	$3,993.00 (+6.45%) Homeowner's exemption	$486,437 (+3%)	$649,156 (+3.42%) Land $239,580 Building $409,576
2022	$3,751.00 Homeowner's exemption	$472,269	$627,668 Land $217,951 Building $409,717

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

Flood

FEMA maps place 460 Sunset Dr in Zone X, an area of minimal 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 minimal risk
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 177 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	204 units insured incl. 27 condo units
Nearby Flood Claims	50 (1984–2025)
Claims Outside the SFHA	8 of 50
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims Hurricane Wilma, Oct 2005 · 20 claims Hurricane Georges, Sep 1998 · 9 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 460 Sunset 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 160 locations within half a mile, as of December 31, 2025

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