862 Cardinal Ln, Key Largo FL 33037, KEY LARGO, FL, 33037
Active357 days on marketListed Aug 14, 2025MLS #A11859516
About this home
862 Cardinal Ln, Key Largo FL 33037
Experience Elevated Coastal Living - Brand New Oceanside Pool Home with Dock in Key Largo Welcome to your dream waterfront retreat in Key Largo! This stunning brand-new, 4 bedroom and 4 bath custom-built pool home combines sleek modern design with top-tier amenities, offering the perfect blend of style and comfort. Let's start with your Outdoor Paradise. Step outside to your private heated and chilled saltwater pool with a 5'-6'' depth, massage jets, beach shelf with umbrella holder, five LED lights, and a safety net for peace of mind. The expansive 15' x 40' dock features polyurethane synthetic decking, a power pedestal with LED lighting, water hookup, 30-amp and 120V receptacles—ideal for boating enthusiasts.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
2025
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 — not generic estimates.
$11,940 /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
$11,940/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 Winston Waterways
Get to know Key Largo. See the full Key Largo guide →
Winston Waterways — neighborhood snapshot
Population
762
Median age
43
Median income
$75,692
Median home value
$466,100
Avg household
3
Households w/ children
99%
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 188% 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 862 Cardinal Ln
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$850,000
380 Mahogany Dr, Key Largo FL 33037 · same community
2 bd · 2 ba · 912 sqft · $932/sqft · 91 DOM
Sold · Apr ’26$1,084,900
Nearby listing
3 bd · 3.5 ba · 100 DOM
Sold · Apr ’26$672,000
Nearby listing
3 bd · 2 ba · 952 sqft · $706/sqft · 71 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 862 Cardinal Ln — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 862 Cardinal Ln — 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
862 Cardinal Ln FAQs
What would the monthly payment be for 862 Cardinal Ln, Key Largo FL 33037?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,940/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 862 Cardinal Ln, Key Largo FL 33037?+
The most recent tax bill on record (2024) was $2,931. 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 862 Cardinal Ln, Key Largo FL 33037?+
The listing reports pets: Yes. 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 $1,999,000, this home is listed about 128% above the Key Largo median of $877,000. The market section on this page shows how the area is trending.
Which schools are assigned to 862 Cardinal Ln, 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
Four things that matter here
01Positioned at the premium end
$1,999,000 runs 188% above the KEY LARGO 33037 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
357 days on market against a Key Largo median of 71 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $2,451,000, now $1,999,000 — a $452K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of American Caribbean Real Estate · Joy Martin. MLS #A11859516.
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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