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

Monroe County property record for 5 Sunset Cay Rd, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details5 bd · 5.5 ba · 7,114 sqft · built 2002
Lot Size0.518 acres (22,580 sqft)
OwnerCompany Name on File
Last Sale$2,350,000 (Sep 1999)
Tax Bill$31,634 (2025)
Deeds & MortgagesSep 2022 Transfer
Flood ZoneZone VE (high risk)
APN00572540-000000

Property Details

APN / Parcel Number

Primary APN00572540-000000
Alternative APNs
  • 12594000572540000000
  • 1707040

Interior

Bedrooms5 Beds
Full Baths5.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area7,114 sqft Living Area
Gross Area7,942 sqft
1st Floor Area4,370 sqft
FlooringMarble
Interior WallsPlaster

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2010
Exterior MaterialOther
Construction TypeConcrete
Roof TypeCathedral/Clerestory
Roof MaterialTile
Lot Area22,580 sqft (0.518 acres)
View / LotCanal
Garage TypeAttached
Garage Area828 sqft

Exterior Amenities

Pool Area360 sqft
PorchSlab
Porch Area600 sqft
Patio Area122 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1707040
Street Address5 SUNSET CAY RD
CityKEY LARGO
StateFL
Zip33037-3723
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionA SUBD OF A PORTION OF TR D OF OCEAN REEF PLAT #3 PB4-91 & PB5-63 LOT 30 BK 16 OR404-139/40 OR1594-840 OR1946-1445/46Q/C OR3193-1155DC OR3193-1157
Legal Range40E
Legal Township59S
Legal Section12
Legal SubdivisionOCEAN REEF NO 3 SUBD OF
Legal TractD
Legal Block16
Legal Lot Number30
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group3
Census Block3095
Census Tract972700

Owner

5 Sunset Cay Rd is owned by a company that acquired it in September 2022 and is owner-occupied.

Source: Monroe County records, as of May 4, 2026

Owner of RecordCompany Name on File
Mailing Address5 SUNSET CAY RD, KEY LARGO, FL 33037-3723
OccupancyOwner Occupied
Owner TypeCompany
VestingBorrower in Default

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 NamesName on Deed
Last SaleSep 1, 1999 · Amount on File
Deed SaleSep 1, 1999 · Amount on File
Prior SaleFeb 1, 1968 · Amount on File
Deed Book / Page1594 / 840
Last Transfer DateSep 8, 2022
Transfer Doc0031931157
Record UpdatedSep 20, 2026

September 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateSep 8, 2022
Property Address5 SUNSET CAY RD, KEY LARGO, FL 33037-3723
Document Number0031931157
Book / Page3193 / 1157
Map ReferenceMB 5 PG 63
Instrument DateSep 8, 2022
Instrument2390805
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address5 SUNSET CAY RD, 5, KEY LARGO, FL 33037-3723

Transferred To (Grantee/Buyer)

NameVerified Name
Address5 SUNSET CAY RD, KEY LARGO, FL 33037-3723

Tax Assessment & Valuation

The 2025 property tax bill for 5 Sunset Cay Rd was $31,634 with exemptions applied, up 3.7% from the year before.

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$31,634.00 (+3.7%) Homeowner's exemption Veteran's exemption$4,656,208$13,559,566 Land $8,894,262 Building $4,665,304
2024$30,506.00 (+2.06%)
2023$29,889.00 (+6.93%) Senior Citizen's exemption$4,393,189 (+5.15%)$13,380,309 (+120.91%) Land $10,034,552 Building $3,345,757
2022$27,951.00 Senior Citizen's exemption$4,178,150$6,057,029 Land $3,147,200 Building $2,909,829

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

Flood

FEMA maps place 5 Sunset Cay Rd in Zone VE, a high-risk coastal 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 ZoneZone VE
high risk · coastal, wave action
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation13.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 838 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies1,585 units insured
incl. 747 condo units
Nearby Flood Claims78 (2005–2023)
Claims Outside the SFHA1 of 78
Most Recent ClaimNov 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

Wildfire risk around 5 Sunset Cay Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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

ProviderMax Down / Up (Mbps)
Xfinity
Fiber		2,000 / 2,000

May also be available: AT&T, T-Mobile.

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