300 Ocean Dr # 26, Key Largo FL 33037, KEY LARGO, FL, 33037
Active128 days on marketListed Apr 2, 2026MLS #A11993849
About this home
300 Ocean Dr # 26, Key Largo FL 33037
UNIQUE! Completely remodeled with a reworked floorplan to optimize space & functionality, this townhome is the crown jewel of the building! Welcome to Holiday by the Sea #26, a beautifully updated 2-bedroom, 2.5-bath townhome in the heart of Key Largo. Thoughtfully redesigned, this home offers a bright, open layout with modern finishes & efficient use of space throughout. The fully renovated kitchen features concrete countertops, island with bar seating, and flows seamlessly into the spacious living/dining area. A convenient half bath, under-stair storage, and a private balcony overlooking peaceful tropical hardwood hammock complete the main level. Upstairs, you'll find two generously sized bedrooms, each with its own en suite bath. Both bathrooms have been tastefully remodeled including transom-style windows for added natural light. A full-size washer/dryer are located on the 2nd floor for convenience. Each bedroom offers its own private balcony, ideal for enjoying your morning coffee & embracing the beauty of island living. With ample closet space & quality upgrades throughout, this turnkey townhome is just perfect. Centrally located at mm 100 in downtown Key Largo, you're just a short distance to Key Largo Harbor Marina, local restaurants including Skipper's, Conch House, Seaside Eatery, shopping, Key Largo Community Park, Jacob's Aquatic Center and more. Don't miss your chance to own a beautifully renovated home in one of the most desirable locations in the Florida Keys!
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,024
Sqft
1974
Year built
2
Levels
$347
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.
$3,337 /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
$3,337/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
$347 vs $727
Days on market
128 vs 71 typical
Where $347/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 49% 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 300 Ocean Dr # 26
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$300,000
300 Ocean Dr # 28, Key Largo FL 33037 · same community
2 bd · 1.5 ba · 1,024 sqft · $293/sqft · 77 DOM
Sold · Feb ’26$340,000
55 Tarpon Basin Dr, Key Largo FL 33037
3 bd · 3 ba · 1,016 sqft · $335/sqft · 206 DOM
Sold · Jan ’26$589,800
119 Poinciana Dr, Key Largo FL 33037
3 bd · 1 ba · 1,000 sqft · $590/sqft · 56 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 300 Ocean Dr # 26 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 300 Ocean Dr # 26 — 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
300 Ocean Dr # 26 FAQs
What would the monthly payment be for 300 Ocean Dr # 26, Key Largo FL 33037?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,337/mo — principal and interest, the actual property-tax bill, the $784/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 300 Ocean Dr # 26, Key Largo FL 33037?+
The association fee works out to $784 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 300 Ocean Dr # 26, Key Largo FL 33037?+
The most recent tax bill on record (2025) was $1,755. 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 300 Ocean Dr # 26, 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 $355,000, this home is listed about 60% 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 300 Ocean Dr # 26, 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
$355,000 is 49% below the KEY LARGO 33037 median of $695,000, and at $347/sqft it sits under the Key Largo average of $868.
02Garden View views
The garden view view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $784/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04The price has already moved
Listed at $365,000, now $355,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of American Caribbean Real Estate · Lorie Leal. MLS #A11993849.
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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