, KEY LARGO, FL, 33037
Active98 days on marketListed Apr 12, 2026MLS #A11999650
About this home
Rare Waterfront Corner Lot in Cross Key Waterways - Build Your Dream or Enjoy Immediate Access Discover an exceptional opportunity in the sought-after Cross Key Waterways community in Key Largo. This fully fenced, oversized 5,751 sq. ft. corner lot offers 85 feet of concrete seawall with direct access to Florida Bay. Boaters will appreciate quick ocean access via nearby Adams Cut, along with breathtaking sunset views over the water. Just a 1-hour drive from Miami, this setting offers an ideal balance of laid-back island living and convenient city access. The existing 2-bedroom, 2-bathroom mobile home provides immediate usability, while the real opportunity lies in redeveloping this prime site into a custom waterfront home with expansive bay views. Whether you're envisioning a private waterfront retreat, a weekend escape, or an investment property, this property provides exceptional flexibility and serious long-term value. Opportunities like this rarely hit the market in the Upper Keys. Don't miss your chance to own a slice of paradise in Cross Key Waterways. Secure this waterfront gem today and start living the Florida Keys lifestyle you've been waiting for.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1973
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 — not generic estimates.
$4,696 /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
$4,696/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 Cross Key Waterways Estates
Get to know Key Largo. See the full Key Largo guide →
Cross Key Waterways Estates — neighborhood snapshot
Population
613
Median age
46
Median income
$71,917
Median home value
$467,300
Avg household
3
Households w/ children
46%
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 1% 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 · Apr ’26$1,084,900
Nearby listing
3 bd · 3.5 ba · 100 DOM
Sold · Jun ’26$1,800,000
65 Tarpon Ave, Key Largo FL 33037
3 bd · 2.5 ba · 118 DOM
Sold · Jun ’26$559,000
218 LIGNUMVITAE DRIVE
2 bd · 1 ba · 864 sqft · $647/sqft · 96 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
Zack Zonker
President Tampa Division · 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 Zack'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 $4,696/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 $5,953. 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 $699,999, this home is listed about 84% 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 Coldwell Banker Schmitt R.E. · Philip Kravitz. MLS #A11999650.
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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