, KEY LARGO, FL, 33037
Active125 days on marketListed Mar 19, 2026MLS #A11986316
About this home
One of the last exceptional vacant lots in the desirable Sunset Waterways subdivision, this property offers a rare opportunity to build your dream home in a premier waterfront setting with direct Bay access. Spanning 6,000 sq ft with 60 feet of beautiful waterfront, this lot provides the perfect canvas for a custom retreat. Ideally located just moments from the very best of coastal living, the property includes approved building plans, with dock approval currently pending with the Army Core of Engineers and DEP. It is presently in the ROGO system with 41 points. Plus, the current owner is a licensed architect and can modify the submitted plans for a reasonable fee, depending on the changes. Take advantage of this rare opportunity to own a premier waterfront property—bring your vision to life and enjoy the coastal lifestyle you’ve always imagined.
Facts & features
The home at a glance
0.138 ac
Lot size
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 — not generic estimates.
$4,822 /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
$4,822/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 11% above 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 · Feb ’26$909,500
81 Marina Ave, Key Largo FL 33037
4 bd · 3 ba · 311 DOM
Sold · Mar ’26$3,000,000
Nearby listing
4 bd · 3 ba · 19 DOM
Sold · Jan ’26$7,600,000
555 Ocean Cay Dr, Key Largo FL 33037
4 bd · 4 ba · 67 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
Arlinda Gokyar
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 Arlinda'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 $4,822/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on ?+
The most recent tax bill on record (2025) was $2,694. 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 $769,000, this home is listed about 103% 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.
Keep looking
Similar homes nearby
Listing courtesy of The Listing Office, LLC. · Mirtha Perez. MLS #A11986316.
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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