, KEY LARGO, FL, 33037
Active46 days on marketListed Jun 3, 2026MLS #A12023774
About this home
Discover the essence of the Florida Keys lifestyle with approximately 165 feet of prime ocean-side dockage with a seawall and another 35 feet of buildable concrete/wood dockage in Key Largo. Perfectly positioned on a corner lot at the end of a quiet street, this exceptional waterfront property offers outstanding privacy and direct boating access to the open ocean in approximately 10 minutes via a single waterway. The main residence features three bedrooms and two baths, enhanced by soaring 10-foot ceilings, rich Brazilian cherry wood floors, granite kitchen countertops, and elegant marble-topped bathroom vanities. The spacious primary suite includes a large walk-in closet and a luxurious custom-built bath with a deep soaking tub. A separate in-law cottage provides the ideal space for guests, extended family, or an income-producing opportunity. A private balcony overlooks the water, while the expansive dock is designed for boating, fishing, and waterfront entertaining. Located just minutes from John Pennekamp Coral Reef State Park, you are surrounded by some of the finest diving, snorkeling, and natural beauty in the Florida Keys. With easy access via Blackwater Sound and close proximity to Jewfish Creek, you are only minutes from both the Atlantic Ocean and Florida Bay - offering the best of both worlds. Go to the Drone video on the video Icon and you can see the canals to the Ocean.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,169
Sqft
2006
Year built
$779
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.
$10,240 /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
$10,240/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.
vs edgeAI estimate
+16%
$/sqft vs Key Largo actives
$779 vs $723
Days on market
46 vs 81 typical
Where $779/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 143% 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 · Dec ’25$565,000
278 King Ave, Key Largo FL 33037 · same community
4 bd · 2 ba · 1,632 sqft · $346/sqft · 74 DOM
Sold · Sep ’25$287,500
104000 Overseas Hwy # 5, Key Largo FL 33037
3 bd · 3 ba · 2,191 sqft · $131/sqft · 71 DOM
Sold · Sep ’25$1,000,000
28 Bonefish Ave, Key Largo FL 33037
4 bd · 3 ba · 2,092 sqft · $478/sqft · 121 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
Lacie Springstead
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 Lacie'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 $10,240/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 $3,997. 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 $1,689,000, this home is listed about 345% 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 Compass Florida, LLC · David Leighton. MLS #A12023774.
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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