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$1,999,000
862 Cardinal Lane
Key Largo, FL 33037
MLS# 621495
4 beds  |  4 baths  |  2326 sqft


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Property Description
OWNER FINANCING AVAILABLE -- 30% DOWN Brand-New Oceanside Waterfront Home with Pool & Dock in Key Largo Discover a beautifully crafted new construction home designed for effortless waterfront living in Key Largo. Situated directly on the ocean side, this impressive 4-bedroom, 4-bath custom residence pairs contemporary finishes with an exceptional outdoor setup made for boating, entertaining, and enjoying the Florida Keys lifestyle. Your Private Outdoor Retreat: The backyard is designed to be enjoyed year-round, centered around a heated and chilled saltwater pool featuring: 5'-6'' depth, Massage jets, Beach shelf with umbrella holder, Five LED pool lights' and a Safety net. Just beyond the pool, a substantial 15' x 40' private dock provides an ideal launch point for days on the water. The dock includes durable polyurethane synthetic decking, a power pedestal with LED lighting, water hookup, and both 30-amp and 120V electrical receptacles. Outdoor Entertaining, Elevated: The covered entertaining area makes outdoor gatherings easy and comfortable. The built-in outdoor kitchen is equipped with an outdoor-rated refrigerator/freezer, 32'' BULL BBQ, and sink, creating the perfect setting for everything from casual lunches to sunset dinners after a day on the boat. Contemporary Interior with Premium Appointments: Inside, the home continues the modern coastal aesthetic with carefully selected finishes and high-end features. Chef-inspired kitchen includes a 42'' GE Monogram counter-depth refrigerator, GE appliances, 36'' stovetop, tower oven/microwave combination, and wine cooler. Four beautifully appointed bathrooms feature smart electric toilets, rain and handheld shower systems, body jets, and frameless barn-style glass shower doors. Architectural details include soaring ceilings, 8' custom interior doors with smoked-glass inlays, and contemporary tile flooring throughout. Everyday convenience comes from dual inline water heaters and two Bosch stackable washer/drye

Details
Maps
Contract Information
Listing Board: Florida Keys
As is Rght to Inspct: Yes
Current Price: $1,999,000
Listing Date: 2026-10-03
List Price: $1,999,000
Location, Tax & Legal
City: KEY LARGO
Off Shore Island: No
Mile Marker: 102
Marathon Neighborhood: N/A
Side: Ocean
Flood Zone: AE
Alternate Key #: 1669873
Parcel #: 00546380000000
Zoning: IS - Improved Subivision District
Deed Restrictions: Unknown
Legal: Bk 2 Lt 1 Amd Plat Of Winston Waterways Pb4-144 Or575-383 Or1319-438 Or1439-1791 Or2030-463 Or2174-55 Or2458-2065/66C/T
Taxes: 3094.74
Tax Year: 2025
Pub Sewer HkUp: Yes
Street #: 862
Street Name: Cardinal
Street Suffix: Lane
Key/Island: Key Largo
State/Province: FL
Zip Code: 33037
County: Monroe
Subdivision: Winston Waterway (102.0)
Area: 27 - Key Largo MM 97-107
General Property Description
Realtor.COM Type: Residential - Single Family
Waterfront: Yes
Control Depth: 3
Lot Size: X
Lot SqFt: 6900
Pool: Yes
Lot Sqft Source: Property Data Card
Acres: 0.15
SqFt Source: Property Data Card
Rentals Allowed: With Restrictions
Min Rental Days: 28
Style: Single Family
Year Built: 2025
Living Apx SqFt: 2326
Total Bedrooms: 4
Full Baths: 4
Total Baths: 4
Remarks & Misc
Remarks – Consumer: OWNER FINANCING AVAILABLE -- 30% DOWN Brand-New Oceanside Waterfront Home with Pool & Dock in Key Largo Discover a beautifully crafted new construction home designed for effortless waterfront living in Key Largo. Situated directly on the ocean side, this impressive 4-bedroom, 4-bath custom residence pairs contemporary finishes with an exceptional outdoor setup made for boating, entertaining, and enjoying the Florida Keys lifestyle. Your Private Outdoor Retreat: The backyard is designed to be enjoyed year-round, centered around a heated and chilled saltwater pool featuring: 5'-6'' depth, Massage jets, Beach shelf with umbrella holder, Five LED pool lights' and a Safety net. Just beyond the pool, a substantial 15' x 40' private dock provides an ideal launch point for days on the water. The dock includes durable polyurethane synthetic decking, a power pedestal with LED lighting, water hookup, and both 30-amp and 120V electrical receptacles. Outdoor Entertaining, Elevated: The covered entertaining area makes outdoor gatherings easy and comfortable. The built-in outdoor kitchen is equipped with an outdoor-rated refrigerator/freezer, 32'' BULL BBQ, and sink, creating the perfect setting for everything from casual lunches to sunset dinners after a day on the boat. Contemporary Interior with Premium Appointments: Inside, the home continues the modern coastal aesthetic with carefully selected finishes and high-end features. Chef-inspired kitchen includes a 42'' GE Monogram counter-depth refrigerator, GE appliances, 36'' stovetop, tower oven/microwave combination, and wine cooler. Four beautifully appointed bathrooms feature smart electric toilets, rain and handheld shower systems, body jets, and frameless barn-style glass shower doors. Architectural details include soaring ceilings, 8' custom interior doors with smoked-glass inlays, and contemporary tile flooring throughout. Everyday convenience comes from dual inline water heaters and two Bosch stackable washer/drye
Directions: MM 1012 Oceanside-- Turn East on Mahogany, then right on Valencia Rd, then right on Cardinal. 1st house on the right, corner lot.
Association Info
Mandatory Home Owners Asc: No
Voluntary Home Owners Asc: No
1st Right of Refusal: No
Association Fee $: 0
Fee Includes
None: 1
Dockage
Dock Length: 40
Dock: Composite
Tax Exemptions
None: 1
Appliances
Dishwasher: 1
Dryer: 1
Freezer: 1
Microwave: 1
Range: 1
Refrigerator: 1
Stainless Steel Appliance(s): 1
Washer: 1
Wine Cooler: 1
Pets
Pets Allowed: 1
Cooling
Ceiling Fans(s): 1
Central Air: 1
Waterfront
Canal Front: 1
Waterview
Canal View: 1
Floor
Tile: 1
Interior Features
Built-in Cabinets: 1
Cathedral Ceilings: 1
Entrance Foyer: 1
Walk-in Closet(s): 1
Property Condition
New Construction: 1
Building Style
Above Flood: Yes
Stories: 2 Stories
Windows/Doors
Impact Rstnce Doors: 1
Impact Rstnce Window: 1
Vehicle Storage
Car(s): 4+
Carport: 1
Open Parking: 1
Attached: 1
Off Street Parking: 1
Security
Other: 1
Construction
CBS: 1
Land Size
Less Than 1/4 Acre: 1
Furnished
Unfurnished: 1
Terms
Cash: 1
Conventional: 1
FHA: 1
Seller Finance Psble: 1
Utilities
Buyer to Verify: 1
FKAA: 1
Municipal Sewer: 1
Porch/Balcony
Open Porch/Balcony: 1
Title
Title Ins - Buyer: 1
Exterior Features
Lighting: 1
Outdoor Kitchen: 1
Storage: 1
Pool Info
In Ground: 1
Heated: Yes
Roof
Metal Roof: 1
GF-Interior Features
Tankless Hot Wtr Htr: 1
Status Change Info
Status: Active
Property Features
Fee Includes: None
Tax Exemptions: None
Waterfront: Canal Front
Waterview: Canal View
Property Condition: New Construction
Vehicle Storage: Carport; Attached; Off Street Parking; Open Parking
Furnished: Unfurnished
Cooling: Ceiling Fans(s); Central Air
Utilities: Buyer to Verify; FKAA; Municipal Sewer
Interior Features: Built-in Cabinets; Cathedral Ceilings; Entrance Foyer; Walk-in Closet(s)
Appliances: Dishwasher; Dryer; Freezer; Microwave; Range; Refrigerator; Stainless Steel Appliance(s); Washer; Wine Cooler
Exterior Features: Lighting; Outdoor Kitchen; Storage
Pool Info: In Ground
Construction: CBS
Floor: Tile
Roof: Metal Roof
Pets: Pets Allowed
Security: Other
Land Size: Less Than 1/4 Acre
Terms: Cash; Conventional; FHA; Seller Finance Psble
Title: Title Ins - Buyer
GF-Interior Features: Tankless Hot Wtr Htr

Listing Office: American Caribbean Real Estate, Christie's International Real Estate

Last Updated: October - 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.