Monroe County property record for 9 Sunset Cay Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 4,502 sqft · built 1967 |
| Lot Size | 0.514 acres (22,395 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $11,100,000 (Apr 2025) |
| Tax Bill | $51,852 (2024) |
| Flood Zone | Zone VE (high risk) |
| APN | 00572520-000000 |
| Primary APN | 00572520-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 4,502 sqft Living Area |
| Gross Area | 4,926 sqft |
| 1st Floor Area | 4,502 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Plaster |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 22,395 sqft (0.514 acres) |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 424 sqft |
| Pool Area | 450 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 2,029 sqft |
| Patio Area | 900 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1707023 |
|---|---|
| Street Address | 9 SUNSET CAY RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 16 LT 28 A SUBD OF A PORTION OF TR D OF OCEAN REEF PLAT #3 KEY LARGO PB4-91 PB5-63 OR581-996 OR616-359 OR614-627 OR980-1539/40 OR1238-1284 OR2705-1933/35 OR3132-2012 |
| 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 | 28 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3095 |
| Census Tract | 972700 |
9 Sunset Cay Rd is held in a trust since April 2025.
Source: Monroe County records, as of January 16, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 81 ISLAND AVE, MADISON, CT 06443-3030 |
| Owner Type | Company |
| Vesting | Trust, Irrevocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 4, 2025 · Amount on File |
| Deed Sale | Apr 4, 2025 · Amount on File |
| Prior Sale | Oct 3, 2014 · Amount on File |
| Deed Document Number | 20252495903 |
| Deed Book / Page | 3319 / 2317 |
| Prior Transfer Date | Mar 20, 2025 |
| Prior Transfer Doc | 0033201422 |
| Record Updated | Sep 20, 2026 |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,761,824 (-12.89%) Land $8,885,990 Building $875,834 | $9,761,824 (-12.89%) Land $8,885,990 Building $875,834 | |
| 2024 | $51,852.00 (+5.26%) | $11,206,583 (+4.31%) Land $10,404,717 Building $801,866 | $11,206,583 (+4.31%) Land $10,404,717 Building $801,866 |
| 2023 | $49,261.00 (+49.69%) | $10,743,529 (+85.75%) Land $9,952,338 Building $791,191 | $10,743,529 (+85.75%) Land $9,952,338 Building $791,191 |
| 2022 | $32,908.00 | $5,783,720 Land $4,976,169 Building $807,551 | $5,783,720 Land $4,976,169 Building $807,551 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9 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 Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 13.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 9 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 Risk | Low lower than 93% 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.
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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