300 Ocean Drive # 22, Key Largo FL 33037, KEY LARGO, FL, 33037
Active525 days on marketListed Feb 28, 2025MLS #A11754272
About this home
300 Ocean Drive # 22, Key Largo FL 33037
Discover Key Largo's Hidden Gem - Holiday By the Sea! This solid concrete fortress, nestled in an X-Flood Zone, has been beautifully upgraded with new electrical, air conditioning/heating, hot water tank, doors, flooring, blinds, and fresh paint. Enjoy harbor views from two of your three private balconies and take advantage of this prime location just steps from Key Largo Harbor Marina. Whether you are into fishing, diving, boating or dining at top-rated waterfront restaurants, everything you need is just moments away. Don't miss out on this exceptional opportunity to own a slice of paradise in the Florida Keys! Seller Financing Available with 20% down payment! Five year balloon with first two years at 3.9% interest, second two years at 4.9% interest and year five at 8% interest.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1974
Year built
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 and the real association fee — not generic estimates.
$3,092 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,092/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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 54% below the KEY LARGO 33037 median. See the full Key Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 300 Ocean Drive # 22
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$300,000
300 Ocean Dr # 28, Key Largo FL 33037 · same community
2 bd · 1.5 ba · 1,024 sqft · $293/sqft · 77 DOM
Sold · Mar ’26$680,000
325 Calusa Street, Key Largo FL 33037
2 bd · 2 ba · 63 DOM
Sold · Aug ’25$395,000
325 Calusa Street Lot 353, Key Largo FL 33037
2 bd · 1 ba · 63 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 300 Ocean Drive # 22 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 300 Ocean Drive # 22 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
300 Ocean Drive # 22 FAQs
What would the monthly payment be for 300 Ocean Drive # 22, Key Largo FL 33037?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,092/mo — principal and interest, the actual property-tax bill, the $724/mo association fee 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.
How much are the HOA fees at 300 Ocean Drive # 22, Key Largo FL 33037?+
The association fee works out to $724 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 300 Ocean Drive # 22, Key Largo FL 33037?+
The most recent tax bill on record (2024) was $2,195. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 300 Ocean Drive # 22, Key Largo FL 33037?+
The listing reports pets: Restrictions Or Possible Restrictions. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Key Largo?+
At $319,900, this home is listed about 64% 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 300 Ocean Drive # 22, Key Largo FL 33037?+
Coral Shores High School (high) — Monroe County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the KEY LARGO 33037 market on paper
$319,900 is 54% below the KEY LARGO 33037 median of $695,000.
02Canal views
The canal view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $724/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
525 days on market against a Key Largo median of 71 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $339,000, now $319,900 — a $19K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Coldwell Banker Schmitt R.E. · Philip Kravitz. MLS #A11754272.
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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