21 Tina Pl, Key Largo FL 33037, KEY LARGO, FL, 33037
Active65 days on marketListed Jun 4, 2026MLS #A12031233
About this home
21 Tina Pl, Key Largo FL 33037
VA & FHA Welcomed! Largest New Construction Home in This Price Range in Key Largo! This beautiful newly built 4-bedroom, 3-bath home offers the kind of space, warmth, and modern comfort that is hard to find in this price range. With over 2,100 sq. ft. under air, there is room for everyone to gather, relax, and truly enjoy the island lifestyle together. From the moment you walk inside, the home feels light, bright, and inviting with soaring ceilings, recessed lighting, and gorgeous tile floors throughout. The open-concept design creates the perfect setting for family dinners, holiday gatherings, or simply enjoying everyday life surrounded by comfort and style. At the center of the home is an amazing designer kitchen that was made for bringing people together, featuring quartz countertops, a stunning waterfall island, stainless steel appliances, and abundant cabinetry. This space feels both elegant and welcoming. The spacious primary suite offers a peaceful retreat with a large walk-in closet and beautifully finished bathroom with water closet and large walk-in shower. The additional bedrooms provide flexibility for family, guests, or a home office. Every detail was thoughtfully designed to combine beauty with easy everyday living. Built with solid concrete construction, impact windows and doors, and metal roof, this home also delivers peace of mind. Outside, the spacious yard offers plenty of room
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,109
Sqft
2023
Year built
$344
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.
$4,866 /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
$4,866/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
$344 vs $727
Days on market
65 vs 71 typical
Where $344/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 Largo Gardens
Get to know Key Largo. See the full Key Largo guide →
Largo Gardens — neighborhood snapshot
Population
1,012
Median age
43
Median income
$75,692
Median home value
$466,100
Avg household
3
Households w/ children
113
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 4% 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 21 Tina Pl
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$1,000,000
28 Bonefish Ave, Key Largo FL 33037
4 bd · 3 ba · 2,092 sqft · $478/sqft · 121 DOM
Sold · Mar ’26$2,175,000
889 Ellen Dr, Key Largo FL 33037
4 bd · 3 ba · 2,216 sqft · $981/sqft · 145 DOM
Sold · Jul ’26$575,000
192 2nd Ct, Key Largo FL 33037
3 bd · 3.5 ba · 1,960 sqft · $293/sqft · 55 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 21 Tina Pl — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 21 Tina Pl — 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
21 Tina Pl FAQs
What would the monthly payment be for 21 Tina Pl, Key Largo FL 33037?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,866/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 21 Tina Pl, Key Largo FL 33037?+
The most recent tax bill on record (2025) was $6,267. 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 $725,000, this home is listed about 17% 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 21 Tina Pl, 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 American Caribbean Real Estate · Maria Canto. MLS #A12031233.
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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