32 Pirates Dr, Key Largo FL 33037, KEY LARGO, FL, 33037
Active26 days on marketListed Jul 10, 2026MLS #A12051508
About this home
32 Pirates Dr, Key Largo FL 33037
Sweet and Sleek in the Keys! Welcome to your own slice of paradise--a beautifully remodeled 2-bedroom, 1-bath conch-style home that embodies the breezy charm of the Florida Keys with the polish of a custom retreat. This home has been expertly designed with a smart, efficient layout where every detail has its place--much like the tidy elegance of a well-kept ship. From the gleaming finishes to the thoughtful flow, everything has been redone from top to bottom. The kitchen is sleek and modern, the living space is light-filled and airy, and each bedroom offers comfort and tranquility in a beautifully organized footprint. Home is uniquely situated to give plenty of room for your cars and boat. Outside, the neighborhood radiates warmth--full of friendly, family homes, where kids ride bikes, neighbors wave, and the laid-back Keys lifestyle thrives. Enjoy access to a boat ramp a few homes away, a delightful little beach, and a clubhouse where school pickup adds peace of mind for families. Voluntary Boating Association with nominal fee of $250 per year. Whether you're looking for a cozy getaway or a full-time island nest, this charming coastal cottage is the perfect blend of tropical ease and efficient elegance. This is an amazing opportunity for a new buyer to enjoy this move-in-ready retreat. Whether you're looking for a full-time residence or a vacation escape, this home checks every box.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
700
Sqft
1966
Year built
$913
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.
$4,158 /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
$4,158/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
$913 vs $723
Days on market
26 vs 71 typical
Where $913/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 8% below the KEY LARGO 33037 median. See the full Key Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 32 Pirates 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$485,000
40 Pirates Dr, Key Largo FL 33037 · same community
1 bd · 1 ba · 561 sqft · $865/sqft · 196 DOM
Sold · Apr ’26$1,050,000
129 Pirates Dr, Key Largo FL 33037 · same community
2 bd · 2 ba · 1,315 sqft · $798/sqft · 14 DOM
Sold · Oct ’25$439,200
1841 BUCCANEER DRIVE · same community
3 bd · 3 ba · 1,518 sqft · $289/sqft · 284 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 32 Pirates Dr — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 32 Pirates 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
32 Pirates Dr FAQs
What would the monthly payment be for 32 Pirates Dr, Key Largo FL 33037?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,158/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 32 Pirates Dr, Key Largo FL 33037?+
The most recent tax bill on record (2025) was $3,727. 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 $639,000, this home is listed about 27% 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 32 Pirates 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 LoKation · Susan Holler. MLS #A12051508.
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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