5 Bowen Dr, Key Largo FL 33037, KEY LARGO, FL, 33037
Active76 days on marketListed May 21, 2026MLS #A12023639
About this home
5 Bowen Dr, Key Largo FL 33037
2023 CBS Construction one story single family home in the neighborhood Riviera Village of Key Largo. Mile marker 104 Riviera Village is on the bay side. This Modern House featuring 3 bedrooms and 2 bathrooms with vaulted ceilings and top of the line finishes. The house's open layout is inviting and great for entertainment. Large windows in all bedrooms and custom sliding doors in the living area make the house bright and relaxing. Overlook the front porch and enjoy the ocean breezes. Inside you will find a beautiful kitchen with Italian cabinets, smart appliances and a versatile one sided waterfall kitchen island with quartz countertops that can seat at least 4 people. The house features 24x48 modern porcelain tiles throughout. Spacious Walk-in closets with plenty of storage space. Brand new washer and dryer connected and ready to use. The metal roof, all hurricane impact windows and doors and the elevation of the house will get you maximum insurance savings. Riviera Village has a voluntary property owner's private park with a boat ramp and dock, pavilion with Bbq and private beach. You can leave your boat in the dock for up to 72 hours and enjoy the waters of Florida Keys.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,320
Sqft
2023
Year built
$593
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.
$5,190 /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
$5,190/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
−12.4%
$/sqft vs Key Largo actives
$593 vs $727
Days on market
76 vs 71 typical
Where $593/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 13% 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 5 Bowen Dr
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$487,000
27 Pompano Ave, Key Largo FL 33037 · same community
3 bd · 2 ba · 1,170 sqft · $416/sqft · 96 DOM
Sold · Apr ’26$800,000
24 Tarpon Ave, Key Largo FL 33037
3 bd · 2 ba · 1,333 sqft · $600/sqft · 15 DOM
Sold · Mar ’26$725,000
Nearby listing
3 bd · 2 ba · 1,341 sqft · $541/sqft · 89 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 5 Bowen Dr — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5 Bowen 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
5 Bowen Dr FAQs
What would the monthly payment be for 5 Bowen Dr, Key Largo FL 33037?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,190/mo — principal and interest, the actual property-tax bill, the $21/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 5 Bowen Dr, Key Largo FL 33037?+
The association fee works out to $21 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5 Bowen Dr, Key Largo FL 33037?+
The most recent tax bill on record (2025) was $5,899. 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 5 Bowen 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 $782,800, this home is listed about 11% 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 5 Bowen 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.
The brief
Three things that matter here
01Positioned at the premium end
$782,800 runs 13% above the KEY LARGO 33037 median.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $792,800, now $782,800 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Nitty J Diaz PA · Nitty Diaz. MLS #A12023639.
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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