104 Coastal Dr, Key Largo FL 33037, KEY LARGO, FL, 33037
Active41 days on marketListed Jun 26, 2026MLS #A12043732
About this home
104 Coastal Dr, Key Largo FL 33037
Nestled within the exclusive, gated enclave of Coral Coast, home to just 15 private waterfront estates, this exceptional Bayfront residence offers sweeping views of Florida Bay, a rare sandy-bottom beach shoreline, and a 200-foot-long pier with deep water (approx. 5’) dockage. Spanning more than 6,000 square feet across three levels with elevator access, this custom-built home features 5 bedrooms, 6 full baths, and 2 half baths. Brazilian walnut hardwood floors, soaring ceilings, and expansive living spaces create an atmosphere of refined coastal luxury. The gourmet kitchen is designed for entertaining with Monogram appliances, a gas range, oversized island, custom cabinetry, and Bay views. The private Owner's Suite occupies its own wing, showcasing panoramic water views, a spa-inspired bath, and private balcony. The home also features two oversized garages (1 pass through), providing ample space for vehicles, water toys, and a home gym. Outdoor living is equally impressive with a heated and chilled pool, waterfall spa, lush tropical landscaping, natural hardwood hammock, sandy beach shoreline, and two boat lifts rated for 30,000 and 6,000 pounds. Offering privacy, security, world-class boating, and unforgettable sunset views, this remarkable Estate represents the very best of luxury waterfront living in the Florida Keys.
Facts & features
The home at a glance
5
Bedrooms
7
Bathrooms
6,083
Sqft
2
Garage
2009
Year built
$1,314
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.
$49,652 /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
$49,652/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
$1,314 vs $723
Days on market
41 vs 71 typical
Where $1,314/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 1050% 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 104 Coastal Dr
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$2,025,000
97501 Overseas Hwy # 316, Key Largo FL 33037
5 bd · 3 ba · 2,635 sqft · $769/sqft · 130 DOM
Sold · Mar ’26$1,025,000
Nearby listing
4 bd · 4 ba · 1,784 sqft · $575/sqft · 102 DOM
Sold · Oct ’25$2,125,000
27 Ocean Dr, Key Largo FL 33037
4 bd · 4.5 ba · 195 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 104 Coastal Dr — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 104 Coastal 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
104 Coastal Dr FAQs
What would the monthly payment be for 104 Coastal Dr, Key Largo FL 33037?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $49,652/mo — principal and interest, the actual property-tax bill, the $250/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 104 Coastal Dr, Key Largo FL 33037?+
The association fee works out to $250 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 104 Coastal Dr, Key Largo FL 33037?+
The most recent tax bill on record (2025) was $37,234. 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 $7,995,000, this home is listed about 812% 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 104 Coastal 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 American Caribbean Real Estate · Joy Martin. MLS #A12043732.
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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