721 Garden State Ln, Key Largo FL 33037, KEY LARGO, FL, 33037
Active107 days on marketListed Apr 24, 2026MLS #A12007076
About this home
721 Garden State Ln, Key Largo FL 33037
ROGO Exempt Waterfront Opportunity – Extra-Wide Canal, Immediate Bay Access.Rare chance to secure a ROGO Exempt waterfront lot in Key Largo—build now without the typical Monroe County delays.Positioned on an extra-wide canal and the first canal in from Blackwater Sound Bay, this property offers exceptional boating access with minimal idle time to open water—a premium feature for serious boaters.Conveniently located just 55 minutes from Miami, making it ideal for weekend use, full-time living, or a high-demand rental investment.The lot is being offered for new construction, with a renovated and livable trailer already in place, providing immediate use, rental income potential, or a convenient setup while you build.Surrounded by the best of the Keys lifestyle—boating, fishing, dining, and waterfront recreation—this is a high-demand location with strong upside for investors, builders, or end-users looking to create a custom waterfront residence.Build-ready, ROGO exempt, wide canal, prime bay access, and close to Miami—opportunities like this are limited. Act fast.
Facts & features
The home at a glance
0.09 ac
Lot size
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.
$4,905 /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
$4,905/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 Cross Key Waterways Estates
Get to know Key Largo. See the full Key Largo guide →
Cross Key Waterways Estates — neighborhood snapshot
Population
613
Median age
46
Median income
$71,917
Median home value
$467,300
Avg household
3
Households w/ children
46%
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 8% 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 721 Garden State Ln
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$875,000
1612 Monmouth Ln, Key Largo FL 33037 · same community
3 bd · 2 ba · 1,161 sqft · $754/sqft · 134 DOM
Sold · May ’26$1,625,000
1515 Aqueduct Ln, Key Largo FL 33037 · same community
4 bd · 3.5 ba · 3,198 sqft · $508/sqft · 66 DOM
Sold · Dec ’25$2,400,000
705 Garden State Ln, Key Largo FL 33037 · same community
4 bd · 4 ba · 3,362 sqft · $714/sqft · 76 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 721 Garden State Ln — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 721 Garden State Ln — 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
721 Garden State Ln FAQs
What would the monthly payment be for 721 Garden State Ln, Key Largo FL 33037?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,905/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 721 Garden State Ln, Key Largo FL 33037?+
The most recent tax bill on record (2025) was $4,996. 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 $750,000, this home is listed about 14% 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 721 Garden State Ln, Key Largo FL 33037?+
Coral Shores High School (high) — Monroe County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of Associated R.E. Services, LLC · Anthony Rosales. MLS #A12007076.
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®.
Never miss a listing
New Key Largo homes, in your inbox
Like 721 Garden State Ln, Key Largo FL 33037 but not quite? A daily digest of every new listing in Key Largo — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →