David Ramirez
$3,995,0005 bd4.5 ba3,600 sqft$1,110 /sqft$23,483 /mo all-in ↓

141 Grassy Rd, Key Largo FL 33037, KEY LARGO, FL, 33037

Active209 days on marketListed Jan 9, 2026MLS #A11942660

New constructionWaterfrontSingle Family ResidenceLAKE SURPRISE ESTATES

About this home

141 Grassy Rd, Key Largo FL 33037

Stunning New Three-Story Bay View Residence. This Light-Filled 5-Bdrm, 4.5-Ba enjoys nightly sunset views. State-Of-The-Art Kitchen & Luxurious Finishes Throughout. 3 Generously sized ensuites, walk-In closets, and lavish bathrooms. Expansive Roof Top Terrace with wet bar and kitchen. Step into an open living area that effortlessly flows to the entertainment area and chef's kitchen. Enjoy indoor-outdoor living with multiple balconies, a waterfront roof top terrace complete with a built-in bar and summer kitchen, and direct access to a half bath. The home is designed for entertaining while capturing spectacular sunsets year-round. For those who cherish the outdoor allure of the Keys, the concrete dockage with deep water direct access beckons. Your personal gateway to the crystal-clear waters, embark on boating adventures, fishing expeditions, or diving explorations right from your doorstep. This home caters to the water enthusiast, offering a privileged lifestyle. A pool and elevator to all floors. In every aspect, this modern haven is a celebration. A harmonious fusion of luxury, nature, and waterfront living. This is more than a home; it's an invitation to savor life's most indulgent moments against the backdrop of stunning sunsets and the allure of the open water. Your waterfront paradise awaits - where every day feels like a vacation, and every sunset is a masterpiece. Seller Financing Available.

Facts & features

The home at a glance

5

Bedrooms

4.5

Bathrooms

3,600

Sqft

2025

Year built

$1,110

Per sqft

WaterfrontBay & Canal viewPets allowed

Inside

FlooringTile
AppliancesDishwasher · Dryer · Microwave · Electric Range · Refrigerator · Wall Oven · Washer
InteriorSecond Floor Entry · Built-in Features · Closet Cabinetry · Elevator · Entrance Foyer · Walk-In Closet(s) · Wet Bar · Other
CoolingCeiling Fan(s) · Central Air
HeatingCentral

Outside & construction

RoofConcrete
ConstructionConcrete Block Construction · CBS Construction
ViewBay · Canal
FacesWest
ParkingAttached Carport · Covered · Driveway · Paver Block
ExteriorLighting

Community & fees

Taxes (2025)$3,214/yr
PetsYes
CommunityBoating · None · Public Road

Utilities & systems

WaterMunicipal Water

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$23,483 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$21,557
PMI (est., until 20% equity)$1,498
Property tax — 2025 actual bill$268
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $399,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $399,500
Interest rate6.00%
Loan term

Estimated payment

$23,483/mo

Principal & interest$21,557
PMI (est., until 20% equity)$1,498
Property taxes (actual bill)$268
Est. insurance$160

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.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

$/sqft vs Key Largo actives

$1,110 vs $723

Days on market

209 vs 71 typical

Where $1,110/sqft sits among the 110 Key Largo actives

38
34
18 · this home
5
8
7
$344–606$606–869$869–1132$1132–1394$1394–1657$1657+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Key Largo

Map of 141 Grassy Rd, Key Largo FL 33037

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

HighCoral Shores High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Key Largo market

Seller’s marketLeans buyer25.5 months of inventoryBuyer’s market

$1.1M$910K

Key Largo median sold, yr/yr

95.6%

Sale-to-list ratio (12 mo)

10 of 110

Key Largo actives have cut their price

Median sold price, Key Largo, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 475% above the KEY LARGO 33037 median. See the full Key Largo market guide →

Paper trail

This home's history

Jan 9, 2026Listed at $3,995,000 · 209 days on market since
2025Built · LAKE SURPRISE ESTATES

Reality check

What actually sold near 141 Grassy Rd

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

250 Lower Matecumbe Rd, Key Largo FL 33037Sold · Dec ’25

$1,150,000

250 Lower Matecumbe Rd, Key Largo FL 33037 · same community

4 bd · 3 ba · 1,842 sqft · $624/sqft · 138 DOM

167 Long Key Rd, Key Largo FL 33037Sold · Jan ’26

$1,980,000

167 Long Key Rd, Key Largo FL 33037 · same community

3 bd · 3.5 ba · 1,825 sqft · $1,085/sqft · 25 DOM

415 Big Pine Rd, Key Largo FL 33037Sold · Feb ’26

$1,100,000

415 Big Pine Rd, Key Largo FL 33037 · same community

3 bd · 2 ba · 1,536 sqft · $716/sqft · 187 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 141 Grassy Rd — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 141 Grassy Rd — 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.

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Goes straight to David’s phone and CRM.

Straight answers

141 Grassy Rd FAQs

What would the monthly payment be for 141 Grassy Rd, Key Largo FL 33037?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $23,483/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 141 Grassy Rd, Key Largo FL 33037?+

The most recent tax bill on record (2025) was $3,214. 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 141 Grassy Rd, 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 $3,995,000, this home is listed about 356% 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 141 Grassy Rd, 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

Three things that matter here

01Positioned at the premium end

$3,995,000 runs 475% above the KEY LARGO 33037 median — but at 3,600 sqft it's also nearly twice the size of the typical Key Largo listing.

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

209 days on market against a Key Largo median of 71 — sellers in this position are usually ready to negotiate.

Listing courtesy of American Caribbean Real Estate · Maria Canto. MLS #A11942660.

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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