1210 Cactus St, Key Largo FL 33037, KEY LARGO, FL, 33037
Active34 days on marketListed Jul 2, 2026MLS #A12046590
About this home
1210 Cactus St, Key Largo FL 33037
Experience the best of Florida Keys living in this exceptional canal-front CBS home featuring a durable concrete roof, over 3,100 sq. ft. of living space, and direct ocean access. Perfectly positioned for boating, fishing, diving, and water adventures, this property offers the ideal blend of comfort, convenience, and island lifestyle — with easy mainland access for commuting. The spacious two-story residence is designed for both everyday living and entertaining. The second-floor main level features an open-concept layout connecting the living room, dining area, and kitchen, creating a welcoming space for gatherings with family and friends. The upper level includes a beautifully appointed new primary suite with a spacious bedroom and private bath, along with a guest bedroom, guest bathroom, and a versatile office/multi-purpose room with an additional full bath. A permitted first-floor addition, completed in 2001, provides added flexibility with two bedrooms, one and a half baths, and a garage — ideal for guests, extended family, or additional living space. Boaters will appreciate the 60-foot split-level concrete dock with step-down access, perfect for kayaks, paddle boards, and lower-profile vessels. The property also offers ample parking for boats, RVs, and trailers, making it easy to enjoy everything the Florida Keys has to offer. Wake up, step outside, and head straight to the water for a morning paddle, fishing excursion, dive adventure, or sunset cruise.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
3,120
Sqft
1
Garage
1979
Year built
$543
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.
$10,631 /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
$10,631/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
$543 vs $727
Days on market
34 vs 71 typical
Where $543/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 144% 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 1210 Cactus St
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$2,350,000
68 Mutiny Pl, Key Largo FL 33037
5 bd · 4 ba · 3,317 sqft · $708/sqft · 74 DOM
Sold · Jun ’26$910,000
34 SEAGATE BEACH Unit #34
3 bd · 2 ba · 2,912 sqft · $313/sqft · 113 DOM
Sold · Jun ’26$910,000
34 Seagate Blvd, Key Largo FL 33037
5 bd · 3 ba · 2,912 sqft · $313/sqft · 146 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 1210 Cactus St — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1210 Cactus St — 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
1210 Cactus St FAQs
What would the monthly payment be for 1210 Cactus St, Key Largo FL 33037?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,631/mo — principal and interest, the actual property-tax bill, the $17/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 1210 Cactus St, Key Largo FL 33037?+
The association fee works out to $17 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1210 Cactus St, Key Largo FL 33037?+
The most recent tax bill on record (2025) was $8,071. 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 $1,695,000, this home is listed about 93% 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 1210 Cactus St, 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 · Joel Young. MLS #A12046590.
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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