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$7,900,000
95480 & 90 Overseas Highway
Key Largo, FL 33037
MLS# 617311
10 beds  |  9 baths  |  5392 sqft


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Sunset reflections 2 acre bayfront estate with 2 homes and a cottage. This property is comprised of 3 separate parcels being sold together Bayfront Florida Room Large jetty into the bay French Doors open to the bay. Living area Looking towards the kitchen Kitchen Kitchen Dining area Surrounded in windows to the bay Primary bedroom Primary bath Guest bedroom Guest bedroom Guest bath MM 95 on Florida Bay Year round sunsets! Picturesque Keys Cottage Welcome! View from the front door with the kitchen beyond Cottage living area Cottage Kitchen Cottage Kitchen Looking towards the front door Cottage bedroom 1 Cottage bedroom 1 Cottage bath 1 Cottage bedroom 2 Cottage bath 2 Cottage bedroom 3 Cottage bath 3 Bayfront home and waterfront Shaded drive This home is currently used as a licensed vacation rental. Beautiful open beam ceiling Living area Living area Sitting area by the kitchen Kitchen Bedroom 1 Bedroom 2 Guest Bath Primary bedroom Primary bath Second floor terrace Second floor loft Loft and bedroom Loft bath The bay is beckoning! Bayfront home with the Cottage to the right. Entrance to bayfront home Twilight in the garden Welcome home! Beautiful bayfront The boat ramp next to the jetty is perfect for launching kayaks and paddle boards Heading for the bay! Almost there! The path at night So beautiful! The water is so clear! Privacy Lush natural landscaping Improved waterfront Bouldered seawall Home tucked into the landscape Almost a peninsula Aerial Wouldn't you love to live here? Peaceful natural setting Beautiful foliage Hello! Looking back from the jetty Fantastic jetty Flat calm! Endless bay views!

Property Description
Embrace the essence of coastal living at this extraordinary bayfront estate, where privacy, comfort, and natural beauty come together on two sun-drenched acres along Florida Bay. Graced with year-round sunsets and endless opportunities for waterfront adventures, this property offers a rare sanctuary for extended families or groups of friends seeking their own slice of paradise. Three charming dwellings rest on two separate parcels—complete with deeded baybottom—creating a truly unparalleled retreat. Beyond the gated entrance, a winding drive leads first to the Coral House, a spacious 4-bedroom, 3-bath residence currently enjoyed as a licensed vacation rental. Continue toward the shoreline and you'll find the Cottage and the Florida Bay House tucked amid mature tropical landscaping, each offering its own unique character and comfort. The Florida Bay House, originally built in 1961 and thoughtfully expanded in the early 1970s, features 3 bedrooms and 3 baths, including an upstairs primary suite with sweeping views. The Cottage, built in 1956, provides a quaint and welcoming guest retreat. The Coral House, constructed in 1992 and situated in the desirable X flood zone, adds yet another layer of versatility to this exceptional estate. Step outside to where Florida Bay stretches before you—complete with a private jetty ideal for sunning, stargazing, or simply soaking in the peaceful coastal atmosphere. A convenient boat ramp beside the jetty makes it easy to launch kayaks and paddleboards for hours of exploration on the shimmering bay. This is a rare opportunity to own a remarkable coastal haven unlike any other. Contact us today to schedule your private tour and experience the magic of this timeless bayfront escape.

Details
Maps
Contract Information
Listing Board: Florida Keys
Current Price: $7,900,000
Listing Date: 2025-11-14
List Price: $7,900,000
Location, Tax & Legal
City: KEY LARGO
Mile Marker: 95
Marathon Neighborhood: N/A
Side: Bay/Gulf
Flood Zone: AE,AE,VE,AE
Alternate Key #: 1100374
Add'l Parcel #1: 00088520-000100
Parcel #: 00088520-000000
Zoning: SR - Sub Urban Residential District
Deed Restrictions: Unknown
Taxes: 18675.4
Tax Year: 2025
Pub Sewer HkUp: Yes
Street #: 95480 & 90
Street Name: Overseas
Street Suffix: Highway
Key/Island: Key Largo
State/Province: FL
Zip Code: 33037
County: Monroe
Subdivision: Sunrise Point (95.0)
Area: 26 - Key Largo S of MM 96.9
General Property Description
Realtor.COM Type: Residential - Single Family
Waterfront: Yes
Control Depth: 4
Lot Size: 2.10 acres includes .27 of baybottom
Lot SqFt: 91285
Pool: No
Lot Sqft Source: Property Data Card
Total Units: 3
Acres: 2
SqFt Source: Property Data Card
Rentals Allowed: Yes
Min Rental Days: 7
Style: Single Family
Year Built: 1961
Living Apx SqFt: 5392
Total Bedrooms: 10
Full Baths: 9
Total Baths: 9
Remarks & Misc
Remarks – Consumer: Embrace the essence of coastal living at this extraordinary bayfront estate, where privacy, comfort, and natural beauty come together on two sun-drenched acres along Florida Bay. Graced with year-round sunsets and endless opportunities for waterfront adventures, this property offers a rare sanctuary for extended families or groups of friends seeking their own slice of paradise. Three charming dwellings rest on two separate parcels—complete with deeded baybottom—creating a truly unparalleled retreat. Beyond the gated entrance, a winding drive leads first to the Coral House, a spacious 4-bedroom, 3-bath residence currently enjoyed as a licensed vacation rental. Continue toward the shoreline and you'll find the Cottage and the Florida Bay House tucked amid mature tropical landscaping, each offering its own unique character and comfort. The Florida Bay House, originally built in 1961 and thoughtfully expanded in the early 1970s, features 3 bedrooms and 3 baths, including an upstairs primary suite with sweeping views. The Cottage, built in 1956, provides a quaint and welcoming guest retreat. The Coral House, constructed in 1992 and situated in the desirable X flood zone, adds yet another layer of versatility to this exceptional estate. Step outside to where Florida Bay stretches before you—complete with a private jetty ideal for sunning, stargazing, or simply soaking in the peaceful coastal atmosphere. A convenient boat ramp beside the jetty makes it easy to launch kayaks and paddleboards for hours of exploration on the shimmering bay. This is a rare opportunity to own a remarkable coastal haven unlike any other. Contact us today to schedule your private tour and experience the magic of this timeless bayfront escape.
Association Info
Mandatory Home Owners Asc: No
1st Right of Refusal: No
Association Fee $: 0
Fee Includes
None: 1
Dockage
Boat Ramp: 1
Seawall: Rip Rap
Other Dockage: 1
Tax Exemptions
Homestead: 1
Appliances
Dishwasher: 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
Wall/Window Unit(s): 1
Heating
Electric: 1
Waterfront
Bay Front: 1
Gulf Front: 1
Open Water: 1
Waterview
Bay/Gulf View: 1
Open Water View: 1
Floor
Carpet: 1
Concrete: 1
Tile: 1
Interior Features
Built-in Cabinets: 1
Drapes/Blinds Incl: 1
Entrance Foyer: 1
Fireplace(s): 1
Split Bedroom: 1
Storage: 1
Specialty Rooms
Loft: 1
Sun/Florida Room: 1
Building Style
Above Flood: Unknown
Windows/Doors
Aluminum Windows: 1
Sliding Glass Doors: 1
Vehicle Storage
Car(s): 4+
Guest Parking: 1
Open Parking: 1
RV Parking Open: 1
Off Street Parking: 1
Trailer Storage: 1
Security
Electric Gate: 1
Construction
CBS: 1
Combo Construction: 1
Land Size
2 Less Than 5 Acres: 1
Furnished
Unfurnished: 1
Terms
Seller Finance Psble: 1
Utilities
Buyer to Verify: 1
Elect Separate Meter: 1
FKAA: 1
Municipal Sewer: 1
Propane: 1
Water Separate Meter: 1
Porch/Balcony
Open Porch/Balcony: 1
Title
Title Ins - Buyer: 1
Exterior Features
Fencing: 1
Lighting: 1
Outdoor Shower: 1
Privacy Wall/Fence: 1
Sandy Beach: 1
Shed: 1
Storage: 1
Pre-Wired
Cable: 1
Roof
Concrete Roof: 1
Metal Roof: 1
Status Change Info
Status: Active
Property Features
Fee Includes: None
Tax Exemptions: Homestead
Waterfront: Bay Front; Gulf Front; Open Water
Waterview: Bay/Gulf View; Open Water View
Dockage: Boat Ramp; Other Dockage
Vehicle Storage: Guest Parking; Off Street Parking; Open Parking; RV Parking Open; Trailer Storage
Furnished: Unfurnished
Cooling: Ceiling Fans(s); Central Air; Wall/Window Unit(s)
Utilities: Buyer to Verify; Elect Separate Meter; FKAA; Municipal Sewer; Propane; Water Separate Meter
Interior Features: Built-in Cabinets; Drapes/Blinds Incl; Entrance Foyer; Fireplace(s); Split Bedroom; Storage
Pre-Wired: Cable
Specialty Rooms: Loft; Sun/Florida Room
Appliances: Dishwasher; Dryer; Microwave; Oven; Range; Refrigerator; Washer
Exterior Features: Fencing; Lighting; Outdoor Shower; Privacy Wall/Fence; Sandy Beach; Shed; Storage
Construction: CBS; Combo Construction
Floor: Carpet; Concrete; Tile
Roof: Concrete Roof; Metal Roof
Pets: Pets Allowed
Security: Electric Gate
Land Size: 2 Less Than 5 Acres
Terms: Seller Finance Psble
Title: Title Ins - Buyer

Listing Office: Coldwell Banker Schmitt Islamorada

Last Updated: March - 18 - 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.