Search
$1,695,000
Key Largo, FL 33037
MLS# 620508
4 beds | 5 baths | 3120 sqft
1 / 39
Property Description
**Waterfront Key Largo Retreat with Direct Ocean Access** Experience the best of Florida Keys living in this exceptional canal-front CBS home featuring a durable concrete roof, over 3,100 sq. ft. of living space, and direct ocean access. Perfectly positioned for boating, fishing, diving, and water adventures, this property offers the ideal blend of comfort, convenience, and island lifestyle -- with easy mainland access for commuting. The spacious two-story residence is designed for both everyday living and entertaining. The second floor main level features an open-concept layout connecting the living room, dining area, and kitchen, creating a welcoming space for gatherings with family and friends. The upper level includes a beautifully appointed new primary suite with a spacious bedroom and private bath, along with a guest bedroom, guest bathroom, and a versatile office/multi-purpose room with an additional full bath. A permitted first-floor addition, completed in 2001, provides added flexibility with two bedrooms, one and a half baths, and a garage -- ideal for guests, extended family, or additional living space. Boaters will appreciate the 60-foot split-level concrete dock with step-down access, perfect for kayaks, paddle boards, and lower-profile vessels. The property also offers ample parking for boats, RVs, and trailers, making it easy to enjoy everything the Florida Keys has to offer. Wake up, step outside, and head straight to the water for a morning paddle, fishing excursion, dive adventure, or sunset cruise. This is your opportunity to own a true Key Largo waterfront retreat and embrace the lifestyle you've been waiting for.
Details
Maps
Contract Information
Listing Board: Florida Keys
As is Rght to Inspct: Yes
Species List: No
Current Price: $1,695,000
Listing Date: 2026-07-01
List Price: $1,695,000
Location, Tax & Legal
City: KEY LARGO
Mile Marker: 98
Marathon Neighborhood: N/A
Side: Ocean
Flood Zone: AE 8
Alternate Key #: 1639346
Parcel #: 00520100000000
Zoning: IS - Improved Subivision District
Deed Restrictions: Unknown
Legal: Bk 7 Lt 6 Rock Harbor Est Pb3-187 Key Largo Or545-140 Or617-671 Or617-672 Or682-132 Or1484-2455D/C Or1715-1951/52R/S Or2
Taxes: 8070.97
Tax Year: 2025
Pub Sewer HkUp: Yes
Street #: 1210
Street Name: Cactus
Street Suffix: Street
Key/Island: Key Largo
State/Province: FL
Zip Code: 33037
County: Monroe
Subdivision: Rock Harbor Est (98.0)
Area: 27 - Key Largo MM 97-107
General Property Description
Realtor.COM Type: Residential - Single Family
Waterfront: Yes
Control Depth: 3
Lot Size: 60 X 124
Lot SqFt: 7440
Pool: No
Lot Sqft Source: Property Data Card
Total Units: 0
Acres: 0.17
SqFt Source: Tax Records
Rentals Allowed: With Restrictions
Min Rental Days: 28
Style: Single Family
Year Built: 1979
Living Apx SqFt: 3120
Total Bedrooms: 4
Full Baths: 4
Half Baths: 1
Total Baths: 5
Remarks & Misc
Remarks – Consumer: **Waterfront Key Largo Retreat with Direct Ocean Access**
Experience the best of Florida Keys living in this exceptional canal-front CBS home featuring a durable concrete roof, over 3,100 sq. ft. of living space, and direct ocean access. Perfectly positioned for boating, fishing, diving, and water adventures, this property offers the ideal blend of comfort, convenience, and island lifestyle -- with easy mainland access for commuting.
The spacious two-story residence is designed for both everyday living and entertaining. The second floor main level features an open-concept layout connecting the living room, dining area, and kitchen, creating a welcoming space for gatherings with family and friends. The upper level includes a beautifully appointed new primary suite with a spacious bedroom and private bath, along with a guest bedroom, guest bathroom, and a versatile office/multi-purpose room with an additional full bath.
A permitted first-floor addition, completed in 2001, provides added flexibility with two bedrooms, one and a half baths, and a garage -- ideal for guests, extended family, or additional living space.
Boaters will appreciate the 60-foot split-level concrete dock with step-down access, perfect for kayaks, paddle boards, and lower-profile vessels. The property also offers ample parking for boats, RVs, and trailers, making it easy to enjoy everything the Florida Keys has to offer.
Wake up, step outside, and head straight to the water for a morning paddle, fishing excursion, dive adventure, or sunset cruise. This is your opportunity to own a true Key Largo waterfront retreat and embrace the lifestyle you've been waiting for.
Directions: Turn oceanside on one of 3 streets across from Anthony's clothing store - Estall St, Grand St, or Almay St Then turn left on Thomas Ave and then right on Cactus. Sign on property.
Association Info
Mandatory Home Owners Asc: No
Voluntary Home Owners Asc: Yes
1st Right of Refusal: No
Association Fee $: 200
Assoc/Mnt Fee Per: Yearly
Fee Includes
Other: 1
Dockage
Dock Length: 60
Dock: Concrete
Tax Exemptions
Homestead: 1
Appliances
Dishwasher: 1
Disposal: 1
Dryer: 1
Microwave: 1
Oven: 1
Range: 1
Refrigerator: 1
Washer: 1
Pets
Pets Allowed: 1
Cooling
Ceiling Fans(s): 1
Central Air: 1
Heating
Central: 1
Waterfront
Canal Front: 1
Waterview
Canal View: 1
Floor
Laminate: 1
Tile: 1
Neighborhood Feature
Community Boat Ramp: 1
Interior Features
Walk-in Closet(s): 1
Window Treatments: 1
Specialty Rooms
Other: 1
Building Style
Above Flood: Yes
Stories: 2 Stories
Windows/Doors
Impact Rstnce Window: 1
Vehicle Storage
Carport: 1
Covered Parking: 1
Garage: 1
Attached: 1
Auto Door Opener: 1
Construction
CBS: 1
Land Size
Less Than 1/4 Acre: 1
Furnished
Unfurnished: 1
Terms
Cash: 1
Conventional: 1
FHA: 1
VA: 1
Utilities
Buyer to Verify: 1
Cable Available: 1
FKAA: 1
Municipal Sewer: 1
Porch/Balcony
Open Porch/Balcony: 1
Roof Top Deck: 1
Title
Title Ins - Buyer: 1
Exterior Features
Fencing: 1
Roof
Concrete Roof: 1
Financial Status
Standard Sale: Yes
GF-Interior Features
Tankless Hot Wtr Htr: 1
Status Change Info
Status: Active
Property Features
Fee Includes: Other
Tax Exemptions: Homestead
Waterfront: Canal Front
Waterview: Canal View
Vehicle Storage: Garage; Carport; Attached; Auto Door Opener; Covered Parking
Furnished: Unfurnished
Cooling: Ceiling Fans(s); Central Air
Heating: Central
Utilities: Buyer to Verify; Cable Available; FKAA; Municipal Sewer
Interior Features: Walk-in Closet(s); Window Treatments
Specialty Rooms: Other
Appliances: Dishwasher; Disposal; Dryer; Microwave; Oven; Range; Refrigerator; Washer
Exterior Features: Fencing
Construction: CBS
Floor: Laminate; Tile
Roof: Concrete Roof
Pets: Pets Allowed
Neighborhood Feature: Community Boat Ramp
Land Size: Less Than 1/4 Acre
Terms: Cash; Conventional; FHA; VA
Title: Title Ins - Buyer
GF-Interior Features: Tankless Hot Wtr Htr
Listing Office: American Caribbean Real Estate, Christie's International Real Estate
Last Updated: July - 03 - 2026
The data relating to real estate for sale on this web site comes in part from the Florida Keys MLS, Inc. Information provided is deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. The information being provided is for consumers’ personal, non-commeral use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. IDX data is deemed reliable but is not guaranteed accurate by the MLS.