103 Long Key Rd, Key Largo FL 33037, KEY LARGO, FL, 33037
Active154 days on marketListed Mar 5, 2026MLS #A11996983
About this home
103 Long Key Rd, Key Largo FL 33037
THIS IS FLORIDA KEYS LIVINGT AT ITS BEST!! Truly a Tropical Oasis, this Stunning 3 Bedroom 2 Bath Key Largo Canal Front retreat on a large corner lot with 65 feet of concrete dock & quick access to the Bay and Ocean thru Adams Cut will impress!! This 2006 impeccable home, with all the modern luxuries you could want, features gorgeous engineered wood floors throughout. The open living area is beautifully presented with soaring vaulted ceilings, a huge kitchen island for family gatherings! SS appliances and an induction cooktop. Step into your main bedroom and enjoy the moment in a spa like bathroom where you can unwind and relax. Downstairs you will find a very large patio area under cover perfect for Sunday BBQ's with friends and family. The 65' foot concrete dock is equipped with a 15,000 lb boat lift just waiting for a new boat! Plenty or room for all your water toys here! Bring your RV, there is plenty of room, this is a large 65 X 100' corner lot. Location! Location! Conveniently located in Lake Surprise, MM 106 Bayside. Absolutely one of Key Largo's premier neighborhoods, close to shopping, amazing restaurants and outdoor water fun. A 20 minute drive to the mainland makes this home a perfect choice for those seeking the best of both worlds! Long Key Road is the first canal in from Blackwater Sound, you'll be out on the water in seconds. Don't miss this opportunity to own this stunning canal front home in Lake Surprise.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,551
Sqft
2006
Year built
$870
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.
$8,753 /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
$8,753/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
+22.5%
$/sqft vs Key Largo actives
$870 vs $723
Days on market
154 vs 71 typical
Where $870/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 94% 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 103 Long Key Rd
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$1,100,000
415 Big Pine Rd, Key Largo FL 33037 · same community
3 bd · 2 ba · 1,536 sqft · $716/sqft · 187 DOM
Sold · Jun ’26$995,000
949 PLANTATION ROAD, Key Largo FL 33037 · same community
4 bd · 3 ba · 1,502 sqft · $662/sqft · 26 DOM
Sold · Jan ’26$1,980,000
167 Long Key Rd, Key Largo FL 33037 · same community
3 bd · 3.5 ba · 1,825 sqft · $1,085/sqft · 25 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 103 Long Key Rd — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 103 Long Key Rd — 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
103 Long Key Rd FAQs
What would the monthly payment be for 103 Long Key Rd, Key Largo FL 33037?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,753/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 103 Long Key Rd, Key Largo FL 33037?+
The most recent tax bill on record (2025) was $9,626. 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 103 Long Key Rd, Key Largo FL 33037?+
The listing reports pets: Yes. 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 $1,350,000, this home is listed about 54% 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 103 Long Key Rd, 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
$1,350,000 runs 94% 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.
03Time on market is leverage
154 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 RE/MAX All Keys Real Estate · Barbara Guerra. MLS #A11996983.
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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