38 N Bounty Ln, Key Largo FL 33037, KEY LARGO, FL, 33037
Active66 days on marketListed Jun 4, 2026MLS #A12031215
About this home
38 N Bounty Ln, Key Largo FL 33037
Enjoy gentle breezes and exceptional water views from this new home! Luxury Waterfront in the Upper Keys Stunning waterfront residence with peaceful water views, gracefully positioned on an expansive stately setting. Designed with understated elegance and modern coastal sophistication, this exceptional 2-story home features vaulted ceilings, an open light filled layout and generous living spaces that feel comfortable and inviting. The beautiful designer kitchen showcases top of the line appliances, quartz waterfall island with gorgeous cabinetry. This is refined living with all the comforts expected in a luxury home. A thoughtfully designed split-bedroom floor plan offers 3 bedrooms and 2.5 baths, creating both comfort and privacy. Ideal to entertain with a separate dining, refreshment area, and office space. Turn an everyday shower into a spa experience. Walk-in showers, bench seating, water closets and ample storage. The large waterfront terrace provides the perfect setting to relax and enjoy the tropical breezes and tranquil views. Covered parking, abundant storage, and ample room for a future pool and outdoor entertaining. Create your own oasis on this remarkable property. Located just across from bayfront homes, this residence captures the essence of luxurious Florida Keys living with peaceful breezes, open views, and timeless coastal charm. Enough room to store your water toys and become a member of private club to use boat ramp nearby.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,421
Sqft
2023
Year built
$692
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.
$10,598 /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
$10,598/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.
$/sqft vs Key Largo actives
$692 vs $727
Days on market
66 vs 71 typical
Where $692/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 141% 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 38 N Bounty Ln
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$1,707,000
64 Jean La Fitte Dr, Key Largo FL 33037 · same community
3 bd · 3 ba · 1,360 sqft · $1,255/sqft · 55 DOM
Sold · Oct ’25$1,000,050
108 Long Ben Dr, Key Largo FL 33037
3 bd · 3 ba · 2,380 sqft · $420/sqft · 170 DOM
Sold · Aug ’25$870,000
97501 Overseas Highway # 705, Key Largo FL 33037
3 bd · 3.5 ba · 2,260 sqft · $385/sqft · 138 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 38 N Bounty Ln — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38 N Bounty 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
38 N Bounty Ln FAQs
What would the monthly payment be for 38 N Bounty Ln, Key Largo FL 33037?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,598/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 38 N Bounty Ln, Key Largo FL 33037?+
The most recent tax bill on record (2025) was $9,258. 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 $1,675,000, this home is listed about 91% 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 38 N Bounty 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.
The brief
Three things that matter here
01Positioned at the premium end
$1,675,000 runs 141% above the KEY LARGO 33037 median — but at 2,421 sqft it's also 56% larger than the typical Key Largo listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $1,695,000, now $1,675,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of American Caribbean Real Estate · Maria Canto. MLS #A12031215.
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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