13 Judy Pl, Key Largo FL 33037, KEY LARGO, FL, 33037
Active155 days on marketListed Mar 4, 2026MLS #A11976351
About this home
13 Judy Pl, Key Largo FL 33037
ROGO EXEMPT BUILDABLE LOT in Key Largo! Exceptional opportunity to redevelop a legally established homesite with prior residence, offering immediate building potential without waiting for ROGO allocation. Existing structure is a tear-down due to storm damage, making this a prime candidate for new construction built to current Florida Keys codes. Ideal for builders, investors, or end-users looking to secure a buildable parcel in a high-demand market. Located in a desirable neighborhood with strong redevelopment activity. Replacement permit opportunity - buyer to verify with Monroe County.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,344
Sqft
1981
Year built
$298
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 — not generic estimates.
$2,924 /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
$2,924/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.
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
$298 vs $727
Days on market
155 vs 71 typical
Where $298/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 Largo Gardens
Get to know Key Largo. See the full Key Largo guide →
Largo Gardens — neighborhood snapshot
Population
1,012
Median age
43
Median income
$75,692
Median home value
$466,100
Avg household
3
Households w/ children
113
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 42% 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 13 Judy Pl
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$1,850,000
157 La Paloma Rd, Key Largo FL 33037
3 bd · 3 ba · 1,375 sqft · $1,345/sqft · 82 DOM
Sold · May ’26$1,460,000
105 2nd Ln, Key Largo FL 33037
3 bd · 3 ba · 1,380 sqft · $1,058/sqft · 29 DOM
Sold · Nov ’25$1,400,000
234 Allen Ave, Key Largo FL 33037
3 bd · 2 ba · 1,296 sqft · $1,080/sqft · 131 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 13 Judy Pl — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13 Judy Pl — 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
13 Judy Pl FAQs
What would the monthly payment be for 13 Judy Pl, Key Largo FL 33037?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,924/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 13 Judy Pl, Key Largo FL 33037?+
The most recent tax bill on record (2025) was $2,785. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Key Largo?+
At $399,999, this home is listed about 54% 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 13 Judy Pl, 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
01Under the KEY LARGO 33037 market on paper
$399,999 is 42% below the KEY LARGO 33037 median of $695,000, and at $298/sqft it sits under the Key Largo average of $868.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
155 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 $409,000, now $399,999 — a $9K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP Realty, LLC · Luis Ruiz. MLS #A11976351.
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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