, KEY LARGO, FL, 33037
Active96 days on marketListed Apr 14, 2026MLS #A12007395
About this home
Prestigious Island Drive address with incredible open water views over Largo Sound. This solid concrete home, including the concrete roof, offers exceptional strength and peace of mind, enhanced by all-impact windows and doors. Thoughtfully reimagined into a modern masterpiece, this 3 bedroom, 3.5 bath residence blends luxury finishes with ideal Keys living. Upstairs features 2 bedrooms, 2.5 baths, and an open-concept living area designed to capture endless water views. The chef's kitchen includes a Bosch gas range, Bosch microwave, and four-door stainless refrigerator. The primary suite offers a spa-inspired bath with Duravit vanity, walk-in shower, and refined finishes. The guest bedroom also enjoys an en-suite bath. There is also an additional half bath off the entertaining space. Downstairs offers a spacious third bedroom large enough for two queen beds, plus a full bath with curbless shower and double vanity. Entertain in style with a wet bar and summer kitchen featuring wine cooler, ice machine, and folding glass doors opening to the waterfront decks. A commercial-grade air curtain system allows open-air enjoyment while helping maintain interior comfort. Boaters will appreciate 60' of waterfrontage, a cut-in slip for a vessel with approx. 10.5' beam, and excellent access to both ocean and bay waters.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
1,989
Sqft
1
Garage
1966
Year built
$1,633
Per sqft
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.
$20,009 /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
$20,009/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Key Largo actives
$1,633 vs $723
Days on market
96 vs 81 typical
Where $1,633/sqft sits among the 110 Key Largo actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
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
10 of 110
Key Largo actives have cut their price
Median sold price, Key Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 367% 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 · Mar ’26$725,000
Nearby listing · same community
3 bd · 2 ba · 1,341 sqft · $541/sqft · 89 DOM
Sold · Feb ’26$825,000
Nearby listing · same community
3 bd · 2 ba · 1,120 sqft · $737/sqft · 28 DOM
Sold · Jun ’26$670,000
527 Sound Dr, Key Largo FL 33037 · same community
2 bd · 1 ba · 884 sqft · $758/sqft · 55 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
Nicholas Giaccone
Director of Agent Success · 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 Nicholas'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 $20,009/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 $13,185. 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: Yes. 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 $3,249,000, this home is listed about 756% 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. · Sally Stribling. MLS #A12007395.
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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