456 Bowie Ln # 456, Key Largo FL 33037, KEY LARGO, FL, 33037
Active195 days on marketListed Jan 28, 2026MLS #A11954829
About this home
456 Bowie Ln # 456, Key Largo FL 33037
Beautiful waterfront oasis with a completely remodeled interior! This perfect Keys home features canal access, brand-new finishes, in-unit washer and dryer, turf backyard with a putting green, and a stunning deck ideal for dining and lounging. Enjoy true indoor-outdoor living on the water. Short-term lease available (minimum 6 months) at $3,200/month. Seller open to rent-to-buy option.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
729
Sqft
1985
Year built
$4
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$181 /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
$181/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$4 vs $723
Days on market
195 vs 71 typical
Where $4/sqft sits among the 111 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 111
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 100% 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 456 Bowie Ln # 456
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$1,525,000
794 Narragansett Ln, Key Largo FL 33037 · same community
3 bd · 2 ba · 960 sqft · $1,589/sqft · 98 DOM
Sold · Jun ’26$559,000
218 LIGNUMVITAE DRIVE
2 bd · 1 ba · 864 sqft · $647/sqft · 96 DOM
Sold · Jun ’26$670,000
527 Sound Dr, Key Largo FL 33037
2 bd · 1 ba · 884 sqft · $758/sqft · 55 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 456 Bowie Ln # 456 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 456 Bowie Ln # 456 — 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
456 Bowie Ln # 456 FAQs
What would the monthly payment be for 456 Bowie Ln # 456, Key Largo FL 33037?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $181/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 456 Bowie Ln # 456, 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 $2,850, this home is listed about 100% 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 456 Bowie Ln # 456, 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
01Under the KEY LARGO 33037 market on paper
$2,850 is 100% below the KEY LARGO 33037 median of $695,000, and at $4/sqft it sits under the Key Largo average of $868.
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
195 days on market against a Key Largo median of 71 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of Partnership Realty Inc. · Maria Rodriguez. MLS #A11954829.
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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