Parcel Buyers LLC Get my cash offer

Monroe County, Florida

Sell your land in Sugarloaf Key for cash

Parcel Buyers buys vacant lots and land for cash in Sugarloaf Key, including parcels that still need a utility, flood-zone and ROGO review. You get a written, no-obligation cash offer within 24 hours, and closings run through an independent title company, typically in about 10 days, with no fees or commissions.

Get my cash offer See Sugarloaf Key lot data Or call (239) 893-7771

By Parcel Buyers · · Lot figures from the 2026 Florida property tax roll · How we made this page

Quick answers

Who buys land for cash in Sugarloaf Key?
Parcel Buyers is a direct land buyer that makes written, no-obligation cash offers on vacant lots and acreage in Sugarloaf Key, Monroe County, usually within 24 hours. Sales close through an independent title company, typically in about 10 days, with no fees or commissions to the seller.
How many vacant lots are in Sugarloaf Key?
The 2026 Florida property tax roll lists 277 vacant residential lots in Sugarloaf Key; 23% are micro lots, and the median lot is 0.18 acre.
How is a cash offer for land in Sugarloaf Key set?
We start from recent sales of similar lots nearby, like the 2025 prices on this page, then adjust for water and sewer, road access, flood zone, lot size and any title issues, and for the time and cost of reselling. You get one written number, not a range.
How do I know a land buyer in Sugarloaf Key is legitimate?
A real buyer closes through an independent, licensed title company and never asks you to pay anything up front. We never charge sellers a fee, deposit or closing-cost advance, and the title company pays you by check or wire at closing.
Are vacant lots in Sugarloaf Key in a FEMA high-risk flood zone?
About 100% of vacant lots in Sugarloaf Key have their center point in a FEMA high-risk flood zone (effective maps dated February 18, 2005). This is map screening, not a determination; check FEMA's Map Service Center for your parcel.
How many vacant lots in Sugarloaf Key got a home on the tax roll in 2025?
7 vacant lots in Sugarloaf Key changed from vacant-residential use to a home with new-construction evidence on the 2026 preliminary tax roll.

Local data

Sugarloaf Key land at a glance

Tax-roll figures cover parcels whose property address city is Sugarloaf Key in Monroe County. Local rules and services are sourced below.

Sugarloaf Key vacant land facts
Vacant residential lots 277 parcels classified vacant residential on the 2026 tax roll [1]
Most common lot size Micro lot (2,000–5,000 sq ft): 23% of vacant lots; next, sliver / remnant at 13%. Median lot: 0.18 acre (7,880 sq ft). [1]
Typical assessed value $155,400 median just (market) value for a vacant lot; the middle half fall between $115,000 and $223,000 [1]
Recent lot sale prices Too few arm's-length vacant-lot sales in 2025 to report a reliable median for Sugarloaf Key [1]
County jurisdiction Sugarloaf Key is not one of Monroe County's five municipalities. Monroe County handles building permits and coordinates required agency reviews for this unincorporated area. [2],[3]
Potable water FKAA says it supplies potable water to all Florida Keys residents. Its Water / Sewer Inquiry form gives availability information for a building permit; a separate form starts a new meter or sewer service. [4],[7]
Central wastewater FKAA's Cudjoe Regional system includes Lower and Upper Sugarloaf. It runs from MM 17 to MM 33, with 6 primary pump stations and a 17-mile transmission line crossing 10 bridges. [5],[6]
Wastewater assessment The Tax Collector lists Cudjoe Regional inner and outer non-ad valorem assessment categories. A current tax bill and county payoff are needed to establish whether a parcel still carries a balance. [8]
ROGO timing New homes need a competitive ROGO allocation. The prior pool closed July 13, 2026; the County is preparing 657 new allocations and anticipates the next period opening July 13, 2027. [9]
Flood elevation All Monroe County is in a floodplain, with base flood elevations from 6 to 17 feet. Residential work in A, V or Coastal A zones uses BFE plus 1 foot; the 50% improvement rule can trigger elevation. [10],[11]
Sugarloaf Sound CBRS Sugarloaf Sound is federal CBRS unit FL-54. Monroe ROGO deducts 4 points for CBRS development; federal flood insurance and other federal aid are generally restricted inside System Units. [14],[15],[9]
Onsite septic fallback Where central sewer is unavailable, Monroe septic permits remain with the local county health department. The application needs a site plan, floor plan, fee and qualified site evaluation. [13]
Great White Heron refuge Established in 1938, the refuge's backcountry waters run about 50 miles from north of Marathon to just north of Key West. It is reached only by boat, from public and private ramps in the Lower Keys. [16]
Vacant lots that got a home on the tax roll in 2025 7 recorded with new-construction evidence. [1]
2026 so far (Jan-Jun) County-level for Monroe County: 43 recorded vacant-lot sales; median $268,000. [1]
FEMA high-risk flood-zone screen About 100% of vacant lots in Sugarloaf Key have their center point in a FEMA high-risk flood zone (effective maps dated February 18, 2005). This is map screening, not a determination; check FEMA's Map Service Center for your parcel.
Springs BMAP small-lot screen About 0% of located vacant lots in Sugarloaf Key are 1 acre or less and have their center point in an adopted Florida springs BMAP.
Aerial photo of Sugarloaf Key, Florida, with the community's outline drawn on it
Sugarloaf Key, Florida aerial: 2022 aerial imagery. Outline: approximate area of the lots counted on this page. Imagery: USDA NAIP via USGS The National Map.
Map of where the vacant lots are in Sugarloaf Key, Florida, shaded by how many vacant lots each hexagon holds
Sugarloaf Key, Florida vacant-lot density map: Each map hexagon groups nearby lots into about 180 acres at H3 resolution 8. Darker shading means more vacant lots on the 2026 roll counted on this page; areas with fewer than 5 lots are not shown. Imagery: USDA NAIP via USGS The National Map.
Micro lot 23% Sliver / remnant 13% Patio-home lot 13% Third-acre lot 9% All other sizes 42%
Vacant residential lots in Sugarloaf Key by lot size, 2026 Florida property tax roll [1]. Micro lot 23%, Sliver / remnant 13%, Patio-home lot 13%, Third-acre lot 9%, All other sizes 42%.

Pricing

What is a lot in Sugarloaf Key worth?

These are open-market sale prices. A direct cash offer is usually lower, because a cash buyer closes in days and takes on the time and cost of reselling the lot.

See what similar lots sold for

What moves the price in Sugarloaf Key

ROGO status can outweigh the lot's tax value

A residential building permit is not the final development right. Monroe County uses ROGO, a competitive allocation system tied to hurricane evacuation and environmental limits. The prior allocation pool closed July 13, 2026. The County is preparing 657 new allocations and currently anticipates the next period on July 13, 2027. Scoring adds 4 points for central wastewater, deducts 6 for a structure in a V zone and deducts 4 for CBRS development. A buyer therefore prices the parcel's tier, flood zone, CBRS position, approved permit status and ROGO path before relying on $155,400 tax-roll just value or the $115,000–$223,000 middle range. [9]

A utility map is not a connection commitment

FKAA supplies potable water in the Keys, and its Cudjoe Regional central wastewater system expressly includes Lower and Upper Sugarloaf. The regional network covers MM 17 to MM 33, but service type differs by basin: gravity and low-pressure connections both exist, and 40 developed "cold spot" parcels can choose onsite nutrient-removal systems. FKAA provides a property-specific water and sewer inquiry for building permits. That written answer, meter status, lateral route, pump or gravity type, and septic-abandonment work belong in the construction budget. [4],[5],[7],[6]

Flood elevation and CBRS boundaries change finance

Every Monroe County parcel sits in a floodplain, and the County reports base flood elevations from 6 to 17 feet. Residential rules call for BFE plus 1 foot in A, V and Coastal A conditions, while major work reaching 50% of a structure's market value can trigger current elevation standards. Separately, Sugarloaf Sound is CBRS unit FL-54. Inside a System Unit, federal flood insurance and most new federal financial assistance are generally unavailable. These are map questions, not neighborhood assumptions; the County GIS exposes FEMA flood, tier, zoning and habitat layers for the individual parcel. [10],[11],[14],[15],[12]

Small lots, lawful access and backcountry reach

The address-city scope contains 277 vacant residential parcels, and its most common size class is micro lot; that class represents 23% of the total. Size alone does not prove a buildable footprint once setbacks, clearing limits, flood design and access are applied. Great White Heron National Wildlife Refuge stretches about 50 miles through the Lower Keys and is accessible only by boat. For a waterfront or canal parcel, buyers distinguish a legal, usable dock and route to open water from a water view with no confirmed navigation or permit path. [1],[12],[16]

Common situations

Selling land in Sugarloaf Key in these situations

You inherited an unbuilt lot and live elsewhere

Yes. You can sell an inherited parcel without traveling to the Keys. Closing runs through an independent, licensed title company, typically about 10 days after the purchase agreement is signed, depending on title. Electronic signing and a mail-away closing are available, and payment is by check or wire.

The lot has no ROGO allocation yet

Yes. A lot without a ROGO allocation can still be sold, but it should not be marketed as ready to build. Monroe County says ROGO is competitive and that applications after June 12, 2026 may be reviewed, while allocation applications wait for the next effective period. County maps and utility records are the right sources for tier, flood zone, CBRS status, sewer availability and permit history. Parcel Buyers checks utilities, access and title before offering. A failed land inspection costs the seller nothing. [9],[12]

An old septic tank or cesspit remains

Yes. Existing onsite equipment does not by itself prevent a sale. FKAA's Cudjoe Regional connection packet says the owner is responsible for the central connection and typically hires a plumber to connect the property and abandon the septic tank or cesspit. For a parcel outside available central service, Monroe's local county health department issues onsite-system permits and requires a qualified site evaluation. Confirm the actual service path before estimating cost. [6],[13],[7]

A wastewater assessment may still be open

Yes. An open non-ad valorem wastewater balance can be handled through closing after the exact payoff is confirmed. The Monroe County Tax Collector identifies separate Cudjoe Regional inner and outer assessment categories, but the category list is not proof of today's parcel balance. The title company should read the current tax bill and obtain the County payoff; with seller consent, liens or back taxes can be paid from proceeds. [8]

Step by step

How do I sell my land in Sugarloaf Key?

From your first message to money in hand, with nothing left out. Requesting an offer costs nothing and commits you to nothing.

See every detail of the process

  1. Tell us about your land

    Fill out the short form (about 60 seconds) or email us. A land specialist reaches out to confirm the details, usually the same business day.

  2. Get your cash offer within 24 hours

    We review the property and send a written, no-obligation cash offer within 24 hours. It is a real number, not a range. Take it or leave it, with no pressure either way.

  3. Sign electronically

    If you accept, everyone signs the purchase agreement electronically. There is nothing to print or mail at this stage.

  4. We inspect, the title company verifies

    Our team inspects the land and an independent title company runs a title search for liens or taxes owed. If the land does not pass inspection, you are never charged anything.

  5. Close and get paid

    The title company prepares the closing documents for notarization and issues your funds by standard check, overnight check, or wire transfer. A typical sale closes in 10 days.

Questions

Selling land in Sugarloaf Key: common questions

Who issues building permits for land in Sugarloaf Key?

Monroe County does. Sugarloaf Key is not among the County's five incorporated municipalities, and the County Building Department issues permits while coordinating reviews by planning, floodplain, environmental and outside agencies. Start with the parcel ID and County permit history rather than relying only on the postal city.

Does my vacant lot use FKAA water and sewer or a well and septic?

FKAA is the potable-water provider, and the Cudjoe Regional central sewer system includes Lower and Upper Sugarloaf. That does not prove a meter, sewer box or capacity at one vacant lot. Use FKAA's water and sewer inquiry for a parcel-specific availability letter. If central sewer is unavailable, Monroe onsite-system permits remain with the local county health department and require a site evaluation.

Can I build a house on a Sugarloaf Key lot right now?

Not from ownership alone. A new home needs County permit approval and a competitive ROGO allocation unless a valid exemption or existing development right applies. The last pool closed July 13, 2026; the County is preparing 657 new allocations and anticipates the next period opening July 13, 2027, subject to code amendments.

How do I check flood and environmental limits before selling?

Use the parcel ID in Monroe County's GIS. The County directs owners to review FEMA flood zones, tier, zoning, future land use and the 2023 habitat layer. Also check the federal CBRS map: Sugarloaf Sound is unit FL-54, and a parcel inside a System Unit may lose access to federal flood insurance and other federal assistance.

Could an old Cudjoe Regional wastewater charge still affect closing?

Yes. The Tax Collector lists Cudjoe Regional inner and outer non-ad valorem assessment categories. That list does not establish the balance on your parcel. Read the current tax bill and request a wastewater payoff before closing; a verified amount can be handled through the title company.

Owner resources

Guides for your situation

  • Can You Build on a Vacant Lot?

    Maybe. A vacant lot is buildable only if the proposed use fits the rules that apply to that parcel and the site can satisfy access, utility, environmental, and permit requirements. Start with the local planning or zoning office, confirm that the parcel is a legal lot, and get a written parcel-specific answer. A zoning label or tax parcel number alone is not approval to build.[1][2]

  • How to Sell Land in a Flood Zone

    Flood-zone land can be sellable and sometimes buildable. A FEMA flood zone describes mapped risk; it is not a building permit. The buyer must verify the current effective Flood Insurance Rate Map and any map changes, then ask the local floodplain administrator what elevation, floodway, coastal, permit, and design rules apply.[1][2][4] Vacant land itself is not covered by an NFIP policy; flood insurance covers qualifying buildings and contents, not land value.[5][6]

  • Can You Sell Land With a Lien?

    Yes. Land with a lien can often be sold, but signing a deed does not by itself erase a valid claim. The lien may need to be paid, released, discharged, or otherwise resolved under the law that applies. With the seller's consent, an approved payoff can come from sale proceeds at closing. If the balance or lien is wrong, dispute it before closing and require proof of the cure.

More places in Monroe County

Your written offer

Get your cash offer

Four short steps, about 60 seconds. We review your property and send a written, no-obligation cash offer within 24 hours. You can take it or leave it.

What happens after you send this

  1. A land specialist reaches out, usually the same business day, to confirm the details.
  2. You get a written cash offer within 24 hours: a real number, not a range.
  3. You decide. Requesting an offer costs nothing and commits you to nothing.

You will never be asked to pay us anything. No deposit, no processing fee, no closing-cost advance.

What kind of land do you own?

No obligation. No fees. Prefer email? Write to info@theparcelbuyers.com.

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Nearby areas we buy

How we made this page

Parcel Buyers is a land-buying company based in Florida. We buy vacant land directly from owners and publish these local pages so owners can see what land in their area is doing before they sell, to us or anyone else. We count the tax-roll figures ourselves from state data, take local rules and fees from the official sources listed below, and use AI tools to help research and draft the text. Every number links to its source, and we update the page when the data changes.

Method and sources

Tax-roll figures cover parcels whose property address city is Sugarloaf Key. Source [1] is our own count of the Florida Department of Revenue's 2026 preliminary property tax roll: "vacant residential" means land-use code 000; lot sizes use the land square footage on the roll; values are the county property appraiser's just (market) value as of January 1, 2026; sale prices count only arm's-length sales of a single lot that was vacant when it sold and was still vacant on January 1, 2026 (bulk and multi-parcel deeds removed). Page updated October 5, 2026. The reviewed 2026 recorded-sale window runs from January through June 2026; unreviewed recent sales are excluded. County-level figures are used on this place page. Flood and springs-BMAP figures screen tax-roll parcel center points, not parcel boundaries. They are aggregate map screens, not flood-zone, insurance, buildability, elevation, septic, or permitting determinations.

  1. [1] Florida Department of Revenue (data); Parcel Buyers (analysis), Parcel Buyers analysis of the 2026 preliminary Name-Address-Legal (NAL) property tax roll (accessed 2026-10-03)
  2. [2] Monroe County, Florida, Municipalities Within Monroe County (accessed 2026-10-05)
  3. [3] Monroe County Building Department, Building and Permitting (accessed 2026-10-05)
  4. [4] Florida Keys Aqueduct Authority, About the Florida Keys Aqueduct Authority (accessed 2026-10-05)
  5. [5] Florida Keys Aqueduct Authority, Cudjoe Regional Wastewater (accessed 2026-10-05)
  6. [6] Florida Keys Aqueduct Authority, Cudjoe Regional Gravity Sewer Lateral Connection Construction Packet (accessed 2026-10-05)
  7. [7] Florida Keys Aqueduct Authority, Water / Sewer Inquiry or Letter of Coordination Form (accessed 2026-10-05)
  8. [8] Monroe County Tax Collector, Non-Ad Valorem Assessments (accessed 2026-10-05)
  9. [9] Monroe County Planning and Environmental Resources, ROGO/NROGO System (accessed 2026-10-05)
  10. [10] Monroe County Emergency Management, Flooding (accessed 2026-10-05)
  11. [11] Monroe County Building Department, Building Responsibly and Floodplain Requirements (accessed 2026-10-05)
  12. [12] Monroe County Planning and Environmental Resources, Researching Tips for Tier, Future Land Use and Zoning Information (accessed 2026-10-05)
  13. [13] Florida Department of Environmental Protection, Onsite Sewage FAQ - Permitting (accessed 2026-10-05)
  14. [14] U.S. Fish and Wildlife Service, Coastal Barrier Resources System Units by County (accessed 2026-10-05)
  15. [15] U.S. Fish and Wildlife Service, Coastal Barrier Resources Act Federal Spending Prohibitions (accessed 2026-10-05)
  16. [16] U.S. Fish and Wildlife Service, Great White Heron National Wildlife Refuge (accessed 2026-10-05)