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For sale
  • $1,695,000

    1210 Cactus St, Key Largo, FL 33037

    4beds
    3,120sqft
    : 
    $9,701/mo
    Get pre-qualified
    Single Family Residence
    Built in 1979
    7,405 Square Feet Lot
    $1,601,400 Zestimate®
    $543/sqft
    $17/mo HOA

    What's special

    Direct ocean accessGuest bedroomGuest bathroomSpacious two-story residence
    **Waterfront Key Largo Retreat with Direct Ocean Access** 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. This is your opportunity to own a true Key Largo waterfront retreat and embrace the lifestyle you've been waiting for.
    42 days
    |
    687
    |
    21
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    Zillow last checked:

    Listing updated:

    Listed by:

    Joel Young 305-432-6610,

    American Caribbean Real Estate, Christie's International Real Estate

    Source: FLKMLS,MLS#: 620508MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 5
      • Full bathrooms: 4
      • 1/2 bathrooms: 1
      Heating
      • Has Heating (Unspecified Type)
      Cooling
      • Central Air, Ceiling Fans(s)
      Appliances
      • Included: Washer, Dryer, Dishwasher, Refrigerator, Range, Oven, Microwave, Disposal
      Features
      • Walk-in Closet(s)
      • Flooring: Tile, Laminate
      Interior area
      • Total structure area: 3,120
      • Total interior livable area: 3,120 sqft

      Property

      Parking
      • Parking features: Attached, Garage Door Opener
      • Has attached garage: Yes
      Features
      • Patio & porch: Open Porch/Balcony, Roof Top Deck
      • Fencing: Fenced
      • On waterfront: Yes
      Lot
      • Size: 7,405 Square Feet
      • Dimensions: 60 X 124
      Details
      • Parcel number: 00520100000000
      • Zoning: IS - Improved Subivision District

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • CBS
      Condition
      • Year built: 1979

      Utilities & green energy

      • Utilities for property: Cable Available

      Community & HOA

      Community
      • Features: Community Boat Ramp
      • Subdivision: Rock Harbor Est (98.0)
      HOA
      • Has HOA: No
      • Services included: Other
      • HOA fee: $200 annually
      Location
      • Region: Key Largo

      Financial & listing details

      • Price per square foot: $543/sqft
      • Tax assessed value: $1,374,511
      • Annual tax amount: $8,070
      • Date on market: 7/3/2026
      • Listing terms: Cash,Conventional,FHA

        Estimated market value

        $1,601,400

        $1.52M - $1.68M

        $7,882/mo

        Price history

        DateEventPrice
        7/3/2026Listed for sale$1,695,000$543/sqft
        Source: MIAMI #A12046590 Report a problem
        6/30/2026Listing removed$1,695,000$543/sqft
        Source: MIAMI #A11860312 Report a problem
        5/1/2026Price change$1,695,000-1.5%$543/sqft
        Source: Key West AOR #616136 Report a problem
        3/29/2026Price change$1,720,000-1.4%$551/sqft
        Source: FLKMLS #616136 Report a problem
        2/6/2026Price change$1,745,000-1.4%$559/sqft
        Source: FLKMLS #616136 Report a problem
        1/23/2026Price change$1,770,000-1.4%$567/sqft
        Source: Key West AOR #616136 Report a problem
        8/13/2025Listed for sale$1,795,000+215.5%$575/sqft
        Source: FLKMLS #616136 Report a problem
        1/9/2015Sold$569,000-3.4%$182/sqft
        Source: FLKMLS #564866 Report a problem
        10/21/2014Pending sale$589,000$189/sqft
        Source: American Caribbean Real Estate #564866 Report a problem
        7/26/2014Listed for sale$589,000$189/sqft
        Source: American Caribbean Real Estate #564866 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$8,071 +4.8%$936,493 +2.9%
        2024$7,700 +3.3%$910,101 +3%
        2023$7,453 +6.2%$883,594 +3%
        2022$7,015 +16.8%$857,729 +32.5%
        2021$6,008 +8.3%$647,362 +10%
        2020$5,547 $588,511 -4.4%
        2019$5,547 -4%$615,579 +4.7%
        2018$5,779 +2.2%$588,108 -2.5%
        2017$5,653 +0.5%$603,008 +15.4%
        2016$5,626 +6.9%$522,526 +161%
        2015$5,265 $200,235
        Find assessor info on the county website

        Monthly payment

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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
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        Climate risks

        Neighborhood: 33037

        Getting around

        24 / 100
        Car-Dependent
        44 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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