95410 Overseas Highway, Key Largo FL 33037, KEY LARGO, FL, 33037
Active191 days on marketListed Jan 31, 2026MLS #F10548717
About this home
95410 Overseas Highway, Key Largo FL 33037
Escape to your own tropical paradise with this dreamy, ultra-luxurious 6-acre estate on Key Largo Bay, just one hour south of Miami. This extraordinary private retreat features a main residence w/in-law suite, plus three accessory dwelling units, offering a total of 6 bedrooms, 6 full bathrooms, and 1 half baths, perfect for hosting family and friends or creating a secluded personal sanctuary. The estate delivers true resort-style living with a stunning brand-new heated /chilled pool and a natural pool with a tranquil fountain, all set within a lush tropical landscape. With 300 feet of private waterfront, including 100 feet of sandy beach overlooking the Gulf, the property enjoys unobstructed panoramic views and some of the most breathtaking sunsets in the Florida Keys. Designed around a wellness-focused lifestyle, the property includes a sauna, cold plunge, outdoor shower, and dedicated workout and yoga areas, ideal for meditation, fitness, and holistic living surrounded by nature.Boating enthusiasts will appreciate the exceptional waterfront infrastructure, featuring multiple dock spaces, a covered boat house, a private basin, and an approved 99’6” private dock & tiki hut with an approximately 6-foot draft. The new dock adds flexibility to accommodate larger vessels and comfortably welcome multiple boating guests. This estate is positioned near Snake Creek and Tavernier Creek and provides quick access to both the Atlantic Ocean and the Florida Bay, making it a premier launch point for backcountry flats fishing, offshore adventures, sandbar days, and sunset cruises.The location also places you by iconic Florida Keys destinations, including the Islamorada Sandbar, Alligator Reef Lighthouse, and several popular waterfront restaurants easily accessible by boat, offering the ultimate Keys lifestyle of dining, cruising, and coastal exploration.The estate is home to hundreds of tropical plants and trees, ensuring unmatched privacy and natural beauty. An urban garden with organic herbs and vegetables supports a true farm-to-table lifestyle. Outdoor living is elevated with tiki huts, outdoor kitchens, expansive entertaining areas, and ample parking, making the property ideal for intimate retreats, wellness gatherings, or peaceful island living.This one-of-a-kind Key Largo estate is more than a home, it’s a lifestyle. Truly unforgettable and irreplaceable, it must be experienced in person to fully appreciate its scale, serenity, and extraordinary details.*Information is believed to be accurate but not guaranteed. Buyer & Buyer agent/broker to verify all details.
Facts & features
The home at a glance
6
Bedrooms
6.5
Bathrooms
3,862
Sqft
1963
Year built
1
Levels
$4,376
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.
$102,423 /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
$102,423/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
$4,376 vs $723
Days on market
191 vs 71 typical
Where $4,376/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 2332% above the KEY LARGO 33037 median. See the full Key Largo market guide →
Paper trail
This home's history
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 95410 Overseas Highway — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 95410 Overseas Highway — 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
95410 Overseas Highway FAQs
What would the monthly payment be for 95410 Overseas Highway, Key Largo FL 33037?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $102,423/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 95410 Overseas Highway, Key Largo FL 33037?+
The most recent tax bill on record (2025) was $56,807. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 95410 Overseas Highway, Key Largo FL 33037?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Key Largo?+
At $16,900,000, this home is listed about 1827% 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 95410 Overseas Highway, 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
$16,900,000 runs 2332% above the KEY LARGO 33037 median — but at 3,862 sqft it's also nearly 2 times the size of 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.
03Time on market is leverage
191 days on market against a Key Largo median of 71 — sellers in this position are usually ready to negotiate.
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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