85 Henry Morgan Dr, Key Largo FL 33037, KEY LARGO, FL, 33037
Active93 days on marketListed May 7, 2026MLS #A12015323
About this home
85 Henry Morgan Dr, Key Largo FL 33037
Stunningly updated ground level home on three lots, spanning street-to-street in Key Largo's Pirate's Cove neighborhood with community boat ramp, clubhouse and bayfront beach. This spacious concrete home with metal roof is high and dry in the most desirable X-flood zone, and it also has insulated Anderson impact windows for safety and energy efficiency. Outside is mature, lush landscaping (including mango, soursop, lime and key lime trees) that wraps the home in shady gardens and transports you into your own private oasis with built-in grill, shelter and fire pit. Inside, the new gourmet kitchen is flanked by a pair of matching Miele refrigerators and features a custom black granite island with a professional grade Wolf gas range, double ovens, drawer microwave and hammered copper hood. The custom wood cabinets are rough sawn imported black walnut and accented by a deep hammered copper farm sink. The interior craftsmanship and attention to detail can be seen throughout the home, from the rough sawn imported black walnut doors, door casings, baseboards and window trim to the custom closet doors, copper bathroom sink basins, and custom lighting and fixtures. There's also primary bedroom and built in bookshelves in the second bedroom. Must see to appreciate! Call today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,499
Sqft
2009
Year built
$733
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.
$7,069 /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
$7,069/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
−7.9%
$/sqft vs Key Largo actives
$733 vs $723
Days on market
93 vs 71 typical
Where $733/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 58% 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 85 Henry Morgan Dr
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$439,200
1841 BUCCANEER DRIVE · same community
3 bd · 3 ba · 1,518 sqft · $289/sqft · 284 DOM
Sold · Apr ’26$1,050,000
129 Pirates Dr, Key Largo FL 33037 · same community
2 bd · 2 ba · 1,315 sqft · $798/sqft · 14 DOM
Sold · Jul ’26$2,500,000
11360 W Teach Road, Palm Beach Gardens FL 33410 · same community
3 bd · 2 ba · 1,821 sqft · $1,373/sqft · 6 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 85 Henry Morgan Dr — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 85 Henry Morgan Dr — 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
85 Henry Morgan Dr FAQs
What would the monthly payment be for 85 Henry Morgan Dr, Key Largo FL 33037?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,069/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 85 Henry Morgan Dr, Key Largo FL 33037?+
The most recent tax bill on record (2026) was $6,804. 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 85 Henry Morgan Dr, 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 $1,099,000, this home is listed about 25% 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 85 Henry Morgan Dr, 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 PS Realty Group LLC · Anais Yilmaz. MLS #A12015323.
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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