104500 Overseas Hwy # A302, Key Largo FL 33037, KEY LARGO, FL, 33037
Active198 days on marketListed Jan 29, 2026MLS #A11945344
About this home
104500 Overseas Hwy # A302, Key Largo FL 33037
Two deluxe suites at this unique gated community. Boat dockage available for up to a 34' boat. Two heated swimming pools and a boat ramp on the property. Greatest Bayfront sunsets at this location. A chef's gourmet kitchen here with abundant space to create great memories around the tile counters top bar area. Luxurious marble floors guide you thru this spectacular location at this fully furnished one floor unit. Abundance of storage with a laundry area also. Two pets allowed. Insurance is 10,423 and paid in three payments separately
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,282
Sqft
1981
Year built
$639
Per sqft
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.
$6,321 /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
$6,321/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.
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
$639 vs $727
Days on market
198 vs 71 typical
Where $639/sqft sits among the 110 Key Largo actives
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
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)
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 18% 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 104500 Overseas Hwy # A302
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$1,100,000
338 Windley Rd, Key Largo FL 33037
3 bd · 2 ba · 1,248 sqft · $881/sqft · 486 DOM
Sold · Apr ’26$800,000
24 Tarpon Ave, Key Largo FL 33037
3 bd · 2 ba · 1,333 sqft · $600/sqft · 15 DOM
Sold · Mar ’26$725,000
Nearby listing
3 bd · 2 ba · 1,341 sqft · $541/sqft · 89 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 104500 Overseas Hwy # A302 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 104500 Overseas Hwy # A302 — 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
104500 Overseas Hwy # A302 FAQs
What would the monthly payment be for 104500 Overseas Hwy # A302, Key Largo FL 33037?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,321/mo — principal and interest, the actual property-tax bill, the $940/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 104500 Overseas Hwy # A302, Key Largo FL 33037?+
The association fee works out to $940 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 104500 Overseas Hwy # A302, Key Largo FL 33037?+
The most recent tax bill on record (2025) was $5,930. 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 104500 Overseas Hwy # A302, 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 $819,000, this home is listed about 7% 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 104500 Overseas Hwy # A302, 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
01Positioned at the premium end
$819,000 runs 18% 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.
03Know the monthly fee
The association fee is $940/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
198 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 $825,000, now $819,000 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Barbara Eads Realty Inc. · Barbara Eads. MLS #A11945344.
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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