How do I schedule a tour of 94825 Overseas Highway 28, Key Largo, FL 33037?

Use the Tour button on this listing to request a showing of 94825 Overseas Highway 28, Key Largo, FL 33037. Pick a day and time and choose an in-person or video-chat tour, and a Pure Equity agent will confirm your visit, often the same day.

Is 94825 Overseas Highway 28, Key Largo, FL 33037 still available?

94825 Overseas Highway 28, Key Largo, FL 33037 is currently listed as Active, and has been on the market 12 days. Status updates directly from the MLS as homes go under contract, so ask us to confirm availability before you plan a visit.

How much is the monthly payment for 94825 Overseas Highway 28, Key Largo, FL 33037?

With 20% down ($723,400) on the $3,617,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 94825 Overseas Highway 28, Key Largo, FL 33037 is about $19,009/mo, before property taxes, insurance, and HOA dues. Use the payment estimate on this page to adjust the down payment and rate.

How do I get pre-approved to buy 94825 Overseas Highway 28, Key Largo, FL 33037?

Getting pre-approved shows sellers you're a serious buyer and clarifies your true budget before you offer on 94825 Overseas Highway 28, Key Largo, FL 33037. Contact Pure Equity and we'll connect you with a trusted local lender to review your financing options, no obligation.

Does 94825 Overseas Highway 28, Key Largo, FL 33037 have an HOA fee?

Yes: 94825 Overseas Highway 28, Key Largo, FL 33037 carries an HOA fee of about $1,172 monthly (Key Largo Ocean Resorts). HOA dues usually cover community amenities and shared maintenance; ask us for the current budget, rules, and exactly what's included.

What schools serve 94825 Overseas Highway 28, Key Largo, FL 33037?

94825 Overseas Highway 28, Key Largo, FL 33037 is zoned for Key Largo (elementary), Key Largo (middle), Coral Shores (high). School assignments and boundaries can change year to year, so confirm current zoning with the local school district before you buy.

Can I negotiate the price of 94825 Overseas Highway 28, Key Largo, FL 33037?

Often, yes. The right offer on 94825 Overseas Highway 28, Key Largo, FL 33037 depends on how it's priced against comparable single family sales in Key Largo, how long it's been listed, and how motivated the seller is. Pure Equity will run the comps and help you craft a competitive, well-supported offer.

Active

12 Days on Market

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$3,617,000

94825 Overseas Highway 28

Key Largo, FL 33037

KEY LARGO OCEAN RESORTS (94.50)

Explore the area: Monroe County real estate

Price Check

How this price compares

List price: $3,617,000
Price per sq ft: $838
Original price: Unchanged
Days on market: 12

This 6-bedroom single-family home is listed at $3,617,000, or $838 per square foot. It has been on the market for 12 days.

Bedrooms

Bathrooms

4,315

Living Sq Ft

2024

Year Built

Estimated monthly payment

$19,009 /mo

Principal and interest only, based on $723,400 down (20%), a 6.875% 30-year fixed rate. Property taxes, homeowners insurance, and the $1,172/mo HOA are not included.

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Listing Snapshot

Price: $3,617,000
Days on Site: 12 Days
Bedrooms: 6
Total Baths: 7
Full Baths: 6
Partial Baths: 1
Living Area: 4,315 sqft
Total Sq Ft: 6,846 sqft
Lot Size: 0.09 Acres
Year Built: 2024
Property Type: Single Family
MLS #: B26095159
Property Tax: $15,567 (2025)
HOA Fees: $1,172 / Monthly
Subdivision: KEY LARGO OCEAN RESORTS (94.50)
Development: Key Largo Ocean Resorts
County: Monroe
Status: Active
Special Conditions: Standard / Listed As Is

About This Property

Amazing views awaits you at this new and exquisite oceanfront property overlooking stunning watercolor views from every angle. This hidden gem location on an oversized end lot in prestigious Key Largo Ocean Resorts, this 6 bedroom, 6.5 bathroom beauty with a spacious den offers large living with 1800 square feet of living on each of the two main floors and another 1000 square feet on the fourth floor currently used as a primary suite with unsurpassable oceanfront views from a spacious terrace. An elevator is available for easy access to this palatial home. Observation pier permit with Army Corp approval. Community clubhouse, pool, tennis courts, Dog run, offered as part of the association. Beautiful summer kitchen, Private fenced backyard. Appraisal done 10/24/26 at $4.3 million. Amazing Oceanfront home.

MLS media link

General Features

Property Type: Single Family
Status: Active
Year Built: 2024
Property Condition: Resale
Number of Stories: 4
Levels: Three Or More
Parking: Attached Carport / Attached / Covered / Carport / Driveway / Electric Vehicle Charging Stations / Paver Block
Direction Faces: East
Lot Size (Acres): 0.09
Living Sq Ft: 4,315
Total Sq Ft: 6,846
Structure Type: House
Sewer: Public Sewer
Water Source: Public
Zoning: SF- Single Fami

Interior Features

Appliances: Cooktop / Dryer / Dishwasher / Electric Cooktop / Electric Range / Free Standing Freezer / Freezer / Disposal / Ice Maker / Microwave / Oven / Range / Refrigerator / Trash Compactor / Tankless Water Heater / Vented Exhaust Fan / Water Heater / Washer
Cooling: Central Air / Electric
Heating: Central / Electric
Flooring: Terrazzo
Fireplace: Yes
Interior Features: Breakfast Bar / Built In Features / Breakfast Area / Dining Area / Separate Formal Dining Room / Dual Sinks / Eat In Kitchen / Elevator / Kitchen Island / Kitchen Dining Combo / Living Dining Room / Multiple Primary Suites / Pantry / Sitting Area In Primary / Storage / Upper Level Primary / Walk In Closets
Laundry: Washer Hookup / Electric Dryer Hookup / Inside / Laundry Room / Laundry Tub / Sink / Upper Level
Windows: Blinds / Storm Windows
Main Level Bedrooms: 6
Main Level Baths: 7
Total Rooms: 3
Furnished: Negotiable

Exterior Features

Construction: CBS Concrete Block Structure / Block / Concrete
Roof: Concrete
Exterior Features: Built In Barbecue / Balcony / Barbecue / Garden / Lighting / Outdoor Kitchen / Outdoor Living Area / Outdoor Shower / Storage / Room For Pool
Architectural Style: Contemporary / Stilt
Pool Features: Association / Heated
Patio & Porch: Covered / Open / Patio / Porch / Terrace / Balcony / Rooftop
Lot Features: Corner Lot / Cul De Sac / Landscaped / None / Oversized Lot / Less Than Quarter Acre
Waterfront: Yes
Waterfront Features: Beach Access / Deeded Access / No Fixed Bridges / Ocean Access / Ocean Front / Seawall
Frontage: Waterfront
Frontage Length: 83.00 ft
View: Beach / Marina / Ocean / Water

Community & HOA

HOA Fee: $1,172 / Monthly
HOA Name: Key Largo Ocean Resorts
HOA Includes: Common Areas / Cable Tv / Legal Accounting / Maintenance Grounds / Pest Control / Pools / Recreation Facilities / Reserve Fund / Security / Internet
Association Amenities: Beach Rights / Basketball Court / Beach Access / Boating / Clubhouse / Community Kitchen / Dog Park / Fitness Center / Maintenance Grounds / Gated / Management / Maintenance / Pier / Playground / Pickleball / Pool / Parking / Security / Tennis Courts / Boat Dock
Community Features: Boat Facilities / Gated / Marina / Property Manager On Site / Street Lights
Security: Closed Circuit Cameras / Elevator Secured / Security Gate / Gated With Guard / Gated Community / Smoke Detectors / Security Fence / Security Guard / Security Lights
Utilities: Cable Connected / Electricity Connected / Natural Gas Available / Phone Connected / Sewer Available / Underground Utilities / Water Available
Pets Allowed: Cats Ok / Dogs Ok / Yes
Financing Terms: Cash / Conventional
Restrictions: Buyer Approval Required / Okay To Lease1st Year / Ok To Lease / Short Term Rentals Allowed
MLS Area: 5940 - Other Florida County

Schools

Elementary School: Key Largo
Middle School: Key Largo
High School: Coral Shores

About the Area

Key Largo

View Key Largo Real Estate →

Homes for Sale: 158
Median List Price: $859,000
Median $/Sq Ft: $672
Avg Days on Market: 171

View all 158 homes for sale in Key Largo →

Frequently Asked Questions

How do I schedule a tour of 94825 Overseas Highway 28, Key Largo, FL 33037?: Use the Tour button on this listing to request a showing of 94825 Overseas Highway 28, Key Largo, FL 33037. Pick a day and time and choose an in-person or video-chat tour, and a Pure Equity agent will confirm your visit, often the same day.
Is 94825 Overseas Highway 28, Key Largo, FL 33037 still available?: 94825 Overseas Highway 28, Key Largo, FL 33037 is currently listed as Active, and has been on the market 12 days. Status updates directly from the MLS as homes go under contract, so ask us to confirm availability before you plan a visit.
How much is the monthly payment for 94825 Overseas Highway 28, Key Largo, FL 33037?: With 20% down ($723,400) on the $3,617,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 94825 Overseas Highway 28, Key Largo, FL 33037 is about $19,009/mo, before property taxes, insurance, and HOA dues. Use the payment estimate on this page to adjust the down payment and rate.
How do I get pre-approved to buy 94825 Overseas Highway 28, Key Largo, FL 33037?: Getting pre-approved shows sellers you're a serious buyer and clarifies your true budget before you offer on 94825 Overseas Highway 28, Key Largo, FL 33037. Contact Pure Equity and we'll connect you with a trusted local lender to review your financing options, no obligation.
Does 94825 Overseas Highway 28, Key Largo, FL 33037 have an HOA fee?: Yes: 94825 Overseas Highway 28, Key Largo, FL 33037 carries an HOA fee of about $1,172 monthly (Key Largo Ocean Resorts). HOA dues usually cover community amenities and shared maintenance; ask us for the current budget, rules, and exactly what's included.
What schools serve 94825 Overseas Highway 28, Key Largo, FL 33037?: 94825 Overseas Highway 28, Key Largo, FL 33037 is zoned for Key Largo (elementary), Key Largo (middle), Coral Shores (high). School assignments and boundaries can change year to year, so confirm current zoning with the local school district before you buy.
Can I negotiate the price of 94825 Overseas Highway 28, Key Largo, FL 33037?: Often, yes. The right offer on 94825 Overseas Highway 28, Key Largo, FL 33037 depends on how it's priced against comparable single family sales in Key Largo, how long it's been listed, and how motivated the seller is. Pure Equity will run the comps and help you craft a competitive, well-supported offer.

Listing courtesy of Ferrarri International Realty

Listing information is provided by BeachesMLS, Inc.and is deemed reliable but not guaranteed accurate by the MLS or Pure Equity. Information is for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties. © 2026 BeachesMLS, Inc. Last updated November 14, 2026.

$3,617,000