13 Old State Rd, Key Largo FL 33037, KEY LARGO, FL, 33037
Active81 days on marketListed May 16, 2026MLS #A12020351
About this home
13 Old State Rd, Key Largo FL 33037
Great Community offering boating, pool, club house, laundry, ice machine and beautiful grounds at the Oceanfront community. Two bedrooms with one bathroom for your family with an open kitchen and living are combination facing the huge open patio for your outdoor entertaining. Boat dockage rental available. Three-month minimum rentals allowed. Carport for your protection for your car. Interior washer and dryer.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
784
Sqft
1977
Year built
$529
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.
$3,137 /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
$3,137/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
$529 vs $727
Days on market
81 vs 71 typical
Where $529/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 40% 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 13 Old State Rd
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$465,000
Nearby listing
2 bd · 2 ba · 778 sqft · $598/sqft
Sold · Jun ’26$485,000
40 Pirates Dr, Key Largo FL 33037
1 bd · 1 ba · 561 sqft · $865/sqft · 196 DOM
Sold · May ’26$855,000
9826 Leeward Ave # 9826, Key Largo FL 33037
2 bd · 2 ba · 1,029 sqft · $831/sqft · 452 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 13 Old State Rd — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13 Old State 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
13 Old State Rd FAQs
What would the monthly payment be for 13 Old State Rd, Key Largo FL 33037?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,137/mo — principal and interest, the actual property-tax bill, the $160/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 13 Old State Rd, Key Largo FL 33037?+
The association fee works out to $160 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13 Old State Rd, Key Largo FL 33037?+
The most recent tax bill on record (2025) was $2,282. 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 13 Old State Rd, 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 $415,000, this home is listed about 53% 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 13 Old State 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.
Keep looking
Similar homes nearby
Listing courtesy of Barbara Eads Realty Inc. · Barbara Eads. MLS #A12020351.
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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