325 Calusa ST 321, Key Largo FL 33037, KEY LARGO, FL, 33037
Active133 days on marketListed Apr 1, 2026MLS #A11993615
About this home
325 Calusa ST 321, Key Largo FL 33037
Oversized corner lot in Calusa Campground offering ~1,000 sq ft more than standard lots with partial bay and canal views. Enjoy the convenience of an assigned boat slip with 15,000 lb lift located directly across the street, making this a true boater’s retreat. This fully paved and fenced property is designed for easy Keys living and entertaining, featuring a covered awning with lighting and screening and a beautiful outdoor kitchen. Additional upgrades include a private shed with extra storage, refrigerator, and full-size washer/dryer—a rare and valuable feature in the community. Property includes a 2022 Forest River Salem Grand Villa 42FK destination trailer with approximately 360+ sq ft plus slide-outs, offering a private primary bedroom, spacious loft sleeping area, and open living/kitchen layout, ideal for personal use or rental potential. Owner financing available with 30% down, 10-year term, and a rate below 10%.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
2022
Year built
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.
$5,976 /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
$5,976/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.
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)
Median sold price, Key Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 29% 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 325 Calusa ST 321
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$540,000
325 Calusa Street Lot 245, Key Largo FL 33037 · same community
2 bd · 1.5 ba · 419 DOM
Sold · Dec ’25$310,000
325 Calusa Street Lot 425, Key Largo FL 33037 · same community
2 bd · 2 ba · 201 DOM
Sold · Oct ’25$300,000
325 Calusa St Lot 2, Key Largo FL 33037 · same community
1 bd · 1 ba · 458 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 325 Calusa ST 321 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 325 Calusa ST 321 — 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
325 Calusa ST 321 FAQs
What would the monthly payment be for 325 Calusa ST 321, Key Largo FL 33037?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,976/mo — principal and interest, the actual property-tax bill, the $172/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 325 Calusa ST 321, Key Largo FL 33037?+
The association fee works out to $172 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 325 Calusa ST 321, Key Largo FL 33037?+
The most recent tax bill on record (2025) was $5,751. 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 $895,000, this home is listed about 2% 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 325 Calusa ST 321, 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
$895,000 runs 29% 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.
03The price has already moved
Listed at $899,500, now $895,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Lifestyle International Realty · Jessie Cruz PA. MLS #A11993615.
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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