11 Judy Pl, Key Largo FL 33037, KEY LARGO, FL, 33037
Active144 days on marketListed Mar 15, 2026MLS #A11983182
About this home
11 Judy Pl, Key Largo FL 33037
ATTENTION BOATERS! BRING YOUR BOATS AND LIVE THE KEYS LIFESTYLE IN THIS BEAUTIFULLY FULLY REMODELED CONCRETE BLOCK HOME! THIS STUNNING 3-BEDROOM SINGLE-FAMILY RESIDENCE HAS BEEN THOUGHTFULLY UPGRADED THROUGHOUT, INCLUDING IMPACT WINDOWS AND DOORS, NEW AC SYSTEM, UPDATED PLUMBING, AND A NEW HOT WATER HEATER — OFFERING PEACE OF MIND AND MODERN COMFORT. IDEALLY LOCATED WITHIN WALKING DISTANCE TO BOTH THE OCEAN AND BAY, AND JUST A SHORT DISTANCE TO A CONVENIENT PUBLIC BOAT LAUNCH, THIS PROPERTY IS PERFECTLY POSITIONED FOR THOSE WHO LOVE LIFE ON THE WATER. WITH NO HOA AND NO PARKING RESTRICTIONS, THERE IS AMPLE SPACE TO ACCOMMODATE MULTIPLE VEHICLES, BOATS, TRAILERS, OR RECREATIONAL TOYS. WHETHER YOU ARE SEARCHING FOR A PRIMARY RESIDENCE, VACATION GETAWAY, OR INCOME-PRODUCING SHORT-TERM RENTAL OPPORTUNITY, THIS KEY LARGO GEM OFFERS FLEXIBILITY, LOCATION, AND TRUE ISLAND LIVING AT ITS FINEST.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,208
Sqft
1971
Year built
$497
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.
$4,009 /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
$4,009/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.
vs edgeAI estimate
−34%
$/sqft vs Key Largo actives
$497 vs $727
Days on market
144 vs 71 typical
Where $497/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 14% 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 11 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 · Apr ’26$715,000
101620 Overseas Hwy #11N, Key Largo FL 33037
3 bd · 2 ba · 1,188 sqft · $602/sqft · 40 DOM
Sold · Oct ’25$425,000
8 Madeira, Key Largo FL 33037
3 bd · 2 ba · 1,280 sqft · $332/sqft · 51 DOM
Sold · Apr ’26$850,000
360 Sound Dr, Key Largo FL 33037
3 bd · 2 ba · 1,122 sqft · $758/sqft · 108 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 11 Judy Pl — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11 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
11 Judy Pl FAQs
What would the monthly payment be for 11 Judy Pl, Key Largo FL 33037?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,009/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 11 Judy Pl, Key Largo FL 33037?+
The most recent tax bill on record (2025) was $4,650. 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 $599,900, this home is listed about 32% 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 11 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
Three things that matter here
01Under the KEY LARGO 33037 market on paper
$599,900 is 14% below the KEY LARGO 33037 median of $695,000, and at $497/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
144 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 The Keyes Company · Anthony Garcia. MLS #A11983182.
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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