470 Sunset Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 470 Sunset Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,160 sqft · built 1970
Lot Size	0.114 acres (4,988 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Nov 2016)
Tax Bill	$3,866 (2024)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00496980-000000`

Property Details

APN / Parcel Number

Primary APN	`00496980-000000`
Alternative APNs	`33613900496980000000` `1614882`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,160 sqft Living Area
1st Floor Area	1,064 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2010
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,988 sqft (0.114 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	258 sqft
Deck Area	36 sqft
Patio Area	171 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air

Location & Zoning

Account Number	1614882
Old Parcel Number	33613900496980000000
Street Address	470 SUNSET DR
City	KEY LARGO
State	FL
Zip	33037-2430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 2 LTS 17 AND 19 LAZY LAGOON KEY LARGO PB2-126 OR457-654 OR852-675D/C OR960-1709 OR960-1710 OR960-1711AFF OR960-1712
Legal Range	39E
Legal Township	61S
Legal Section	33
Legal Subdivision	LAZY LAGOON
Legal Block	2
Legal Lot Number	17,19 19
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

470 Sunset Dr is owned and occupied by two individuals who bought it in November 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	470 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	Nov 3, 2016 · Amount on File
Deed Sale	Nov 3, 2016 · Amount on File
Prior Sale	Sep 5, 2013 · Amount on File
Deed Document Number	2098137
Deed Book / Page	2824 / 0523
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	470 SUNSET DR, KEY LARGO, FL 33037-2430
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030491937
Date	Oct 13, 2020
Book Page	3049/1937
Instrument	2285633

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2040

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		$551,699 Land $332,970 Building $218,729	$551,699 Land $332,970 Building $218,729
2024	$3,866.00 (+9.77%)
2023	$3,522.00 (+8.34%)	$395,080 (+3.93%) Land $217,944 Building $177,136	$395,080 (+3.93%) Land $217,944 Building $177,136
2022	$3,251.00	$380,134 Land $198,269 Building $181,865	$380,134 Land $198,269 Building $181,865

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

Flood

FEMA maps place 470 Sunset Dr 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	10.0 ft
Flood Insurance Requirement	Required federally backed loans
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 470 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