, KEY LARGO, FL, 33037
Active129 days on marketListed Mar 12, 2026MLS #A11982329
About this home
Turnkey Florida Keys Condo with Weekly Rentals Allowed - Fully Furnished in Moon Bay This fully furnished 2BR / 1.5BA condo plus den (3rd sleeping area) in Moon Bay offers 947 sq ft of bright, comfortable living space and is ready for immediate enjoyment or rental income. The unit features stainless steel appliances, impact windows and doors, spacious bedrooms, a private balcony, in-unit washer & dryer and designated covered parking space. This unit does not include a boat slip, keeping the HOA fees among the lowest in Moon Bay at $959/month, while slips are often available for rent from other owners. Moon Bay is a waterfront community with resort-style amenities including a marina, fishing docks, secluded beach area, pool, clubhouse, sauna, tennis, pickleball, basketball courts, tiki hut, BBQ grills, and complimentary kayaks and paddleboards. Major community improvements have been completed, and the 40-year structural recertification has passed. Conveniently located just a short drive to Miami and walking distance to popular bayfront restaurants and nightlife. Ideal as a vacation home, full-time residence, or investment property. Seller financing possible. Schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1976
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.
$5,067 /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
$5,067/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 Key Largo
Get to know Key Largo. See the full Key Largo guide →
KEY LARGO 33037 — neighborhood snapshot
Population
13,674
Median age
54.2
Median income
$80,911
Median home value
$660,700
Avg household
2.34
Households w/ children
999
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 10% below the KEY LARGO 33037 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$760,000
104350 Overseas Highway Slip 23, Key Largo FL 33037 · same community
2 bd · 1.5 ba · 947 sqft · $803/sqft · 2 DOM
Sold · Apr ’26$650,000
104350 Overseas Highway Slip 25, Key Largo FL 33037 · same community
2 bd · 1.5 ba · 947 sqft · $686/sqft · 8 DOM
Sold · Apr ’26$1,084,900
Nearby listing
3 bd · 3.5 ba · 100 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
Yumiko Sugawara
REALTOR® · 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 Yumiko'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 $5,067/mo — principal and interest, the actual property-tax bill, the $959/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 $959 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 $4,090. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at ?+
The listing reports pets: Restrictions Or Possible Restrictions. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Key Largo?+
At $625,000, this home is listed about 65% 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 KEY LARGO 33037 market on paper
$625,000 is 10% below the KEY LARGO 33037 median of $695,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $959/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of Coldwell Banker Schmitt R.E. · Philip Kravitz. MLS #A11982329.
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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