Price Check
How this price compares
- List price
- $940,000
- Price per sq ft
- $610
- Original price
- $960,000
- Days on market
- 307
This 4-bedroom single-family home in Key Largo Ocean Resort Co is listed at $940,000, or $610 per square foot. The asking price has come down 2.1% from its original $960,000. It has been on the market for 307 days.
Estimated monthly payment
$4,940 /mo
Principal and interest only, based on $188,000 down (20%), a 6.875% 30-year fixed rate. Property taxes, homeowners insurance, and the $485/mo HOA are not included.
Customize this estimateListing Snapshot
- Price
- $940,000
- Days on Site
- 307 Days
- Bedrooms
- 4
- Total Baths
- 4
- Full Baths
- 3
- Partial Baths
- 1
- Living Area
- 1,540 sqft
- Total Sq Ft
- 2,574 sqft
- Lot Size
- 0.04 Acres
- Year Built
- 2020
- Property Type
- Single Family
- MLS #
- A11872673
- Property Tax
- $5,525 (2024)
- HOA Fees
- $485 / Monthly
- Subdivision
- KEY LARGO OCEAN RESORT CO
- County
- Monroe
- Status
- Active
- Special Conditions
- Listed As Is
About This Property
A Rare Opportunity Awaits! If traditional bank financing isn't an option but you do have the means to purchase, this is your moment. With 30% down and verifiable income to support monthly payments, you can secure a beautiful home in one of the most desirable communities in the Florida Keys. Owner Financing Available. Welcome to Key Largo Ocean Resort (KLOR)—a vibrant, gated oceanfront community that has evolved from a modest trailer park co-op into a premier enclave of modern luxury homes. Perfectly situated in the heart of the Florida Keys, KLOR blends relaxed island living with upscale amenities, creating an unmatched lifestyle experience. This spacious 4-bedroom, 3.5-bathroom residence is truly one of a kind. Designed with comfort, functionality, and family living in mind, it offers: • A generous open layout • A dedicated laundry room • A charming peek-a-boo ocean view • Ample covered space downstairs for your boat, golf cart, and outdoor gear Whether you're seeking a turnkey vacation rental, a fully furnished primary home, or a second home getaway, this property is ready to welcome you. Enjoy effortless short-term rental setup or settle into year-round island serenity. KLOR offers an impressive array of amenities, including: ??? Full-service marina (all slips currently occupied; waiting list available) ?? Private concrete boat ramp with direct ocean access ????? Resort-style swimming pool ?????? Modern fitness center ?? Tennis and basketball courts ?? Clubhouse and more.
MLS media linkGeneral Features
- Property Type
- Single Family
- Status
- Active
- Year Built
- 2020
- Property Condition
- Resale
- Number of Stories
- 3
- Levels
- Three Or More
- Garage Spaces
- 0
- Parking
- Covered
- Direction Faces
- East
- Lot Size (Acres)
- 0.04
- Living Sq Ft
- 1,540
- Total Sq Ft
- 2,574
- Sewer
- Public Sewer
- Water Source
- Public
- Zoning
- SF - Single Family
Interior Features
- Appliances
- Dryer / Dishwasher / Electric Range / Microwave / Refrigerator / Washer
- Cooling
- Central Air / Ceiling Fans
- Heating
- Central
- Flooring
- Tile
- Interior Features
- Living Dining Room / Storage / Upper Level Primary
- Windows
- Blinds
- Furnished
- Unfurnished
Exterior Features
- Construction
- Block
- Roof
- Metal
- Exterior Features
- Balcony / Lighting / Outdoor Living Area
- Pool Features
- Association
- Patio & Porch
- Open / Porch / Balcony
Community & HOA
- HOA Fee
- $485 / Monthly
- HOA Includes
- Common Areas
- Association Amenities
- Clubhouse / Fitness Center / Gated / Maintenance / Pool / Security / Tennis Courts
- Community Features
- Home Owners Association / Street Lights
- Security
- Smoke Detectors / Security Guard
- Utilities
- Cable Available
- Pets Allowed
- Pet Restrictions / Yes
- 55+ Community
- Yes
- Financing Terms
- Cash / Conventional / FHA / Va Loan
- MLS Area
- 5940 - Other Florida County
This home's HOA fee works out to $485 a month, in line with the $496 median across 8 homes for sale in Key Largo Ocean Resort Co. See Key Largo Ocean Resort Co HOA fees
Schools
- Elementary School
- Key Largo
- Middle School
- Key Largo
- High School
- Coral Shores
About the Community
- Homes for Sale
- 14
- Under Contract
- 0
- Median List Price
- $950,000
- Median $/Sq Ft
- $610
- Avg Days on Market
- 212
Frequently Asked Questions
- How do I schedule a tour of 94825 Overseas Highway 281, Key Largo, FL 33037?
- Use the Tour button on this listing to request a showing of 94825 Overseas Highway 281, 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 281, Key Largo, FL 33037 still available?
- 94825 Overseas Highway 281, Key Largo, FL 33037 is currently listed as Active, and has been on the market 307 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 281, Key Largo, FL 33037?
- With 20% down ($188,000) on the $940,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 94825 Overseas Highway 281, Key Largo, FL 33037 is about $4,940/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 281, 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 281, 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 281, Key Largo, FL 33037 have an HOA fee?
- Yes: 94825 Overseas Highway 281, Key Largo, FL 33037 carries an HOA fee of about $485 monthly. 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 281, Key Largo, FL 33037?
- 94825 Overseas Highway 281, 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 281, Key Largo, FL 33037?
- Often, yes. The right offer on 94825 Overseas Highway 281, 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 RE/MAX All Keys Real Estate
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 June 25, 2026.
$940,000
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Listed by Jose C. Vigo, RE/MAX All Keys Real Estate
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