94825 OVERSEAS HIGHWAY #123, Key Largo FL 33037, KEY LARGO, FL, 33037
Active60 days on marketListed Jun 18, 2026MLS #A12038878
About this home
94825 OVERSEAS HIGHWAY #123, Key Largo FL 33037
Build your dream home on this prime cleared oceanfront lot with open, no bridges access in the exclusive residential community of Key Largo Ocean Resort (KLOR), at MM 94.8. Spanning 22 acres, this 24 hr. guard-gated community reflects the uniqueness of coastal design homes and ocean living, framed by swaying palms and sea breezes. KLOR boasts an array of resort amenities including a full-service marina, boat ramp, clubhouse, swimming pool, fitness center, tennis, basketball and pickleball courts, children's playground, an iconic fishing pier, community events and so much more! Boat slips are not deeded. Property is ROGO exempt; easy to build. Seize the opportunity to build your own home in a highly desirable community in the Upper Keys, with friendly rental restrictions.
Facts & features
The home at a glance
0.037 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.
$4,864 /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
$4,864/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
95.6%
Sale-to-list ratio (12 mo)
Median sold price, Key Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% 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 94825 OVERSEAS HIGHWAY #123
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$770,000
94825 Overseas Hwy 220, Key Largo FL 33037
3 bd · 3 ba · 365 DOM
Sold · Jan ’26$1,100,000
94825 Overseas Hwy #94, Key Largo FL 33037
3 bd · 3 ba · 329 DOM
Sold · Oct ’25$715,000
306 Little Miss Muffett, Key Largo FL 33037
2 bd · 2 ba · 74 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
Jillian Kobylesky
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 94825 OVERSEAS HIGHWAY #123 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 94825 OVERSEAS HIGHWAY #123 — before you fall in love.
See it in person
Schedule a tour
Live availability from Jillian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
94825 OVERSEAS HIGHWAY #123 FAQs
What would the monthly payment be for 94825 OVERSEAS HIGHWAY #123, Key Largo FL 33037?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,864/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 94825 OVERSEAS HIGHWAY #123, Key Largo FL 33037?+
The most recent tax bill on record (2025) was $2,427. 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 $780,000, this home is listed about 11% below the Key Largo median of $877,000. The market section on this page shows how the area is trending.
Which schools are assigned to 94825 OVERSEAS HIGHWAY #123, Key Largo FL 33037?+
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 BHHS EWM Realty · Terri Dominguez. MLS #A12038878.
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®.
Never miss a listing
New Key Largo homes, in your inbox
Like 94825 OVERSEAS HIGHWAY #123, Key Largo FL 33037 but not quite? A daily digest of every new listing in Key Largo — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Jillian to ping you on any price or status change →