, KEY LARGO, FL, 33037
Active124 days on marketListed Mar 9, 2026MLS #A11979568
About this home
Watch fireworks from your rooftop deck, relax by your heated and chilled pool, and keep your boat ready to launch just down the street. Welcome to this beautifully maintained 4-bedroom, 3-bathroom home in the highly desirable Port Largo neighborhood of Key Largo. With 1,666 sq ft of bright living space, the home features soaring ceilings, skylights, and a private one-bedroom guest apartment above flood level—ideal for visitors, extended family, or added flexibility. The tropical backyard oasis includes a year-round heated and chilled pool, spacious outdoor living areas, and plenty of room to entertain. Covered parking, boat storage, and multiple storage sheds provide space for all your Keys gear and adventures. Enjoy island breezes from the screened front porch, or head up to the rooftop deck for sunset views and holiday fireworks. Just down the street is the Port Largo homeowners park with a convenient boat ramp, while nearby community parks and aquatic facilities offer recreation for all ages.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1984
Year built
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$5,106 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,106/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Port Largo
Get to know Key Largo. See the full Key Largo guide →
Port Largo — neighborhood snapshot
Population
1,184
Median age
52
Median income
$136,045
Median home value
$849,100
Avg household
2
Households w/ children
78%
For the school run
Monroe County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Key Largo market
$1.1M → $910K
Key Largo median sold, yr/yr
Median sold price, Key Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 68% below the Port Largo median. See the full Key Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$3,000,000
Nearby listing · same community
4 bd · 3 ba · 19 DOM
Sold · Jan ’26$7,600,000
555 Ocean Cay Dr, Key Largo FL 33037 · same community
4 bd · 4 ba · 67 DOM
Sold · Feb ’26$909,500
81 Marina Ave, Key Largo FL 33037 · same community
4 bd · 3 ba · 311 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kemarie Johnson
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
FAQs
What would the monthly payment be for ?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,106/mo — principal and interest, the actual property-tax bill, the $29/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at ?+
The association fee works out to $29 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on ?+
The most recent tax bill on record (2025) was $5,404. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Key Largo?+
At $774,000, this home is listed about 104% above the Key Largo median of $379,450. The market section on this page shows how the area is trending.
Which schools are assigned to ?+
Coral Shores High School (high) — Monroe County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the Port Largo market on paper
$774,000 is 68% below the Port Largo median of $2,399,000.
02Garden & Pool views
The garden and pool view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $899,000, now $774,000 — a $125K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Coldwell Banker Schmitt R.E. · Philip Kravitz. MLS #A11979568.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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