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New construction
  • $1,999,000

    862 Cardinal Ln, Key Largo, FL 33037

    4beds
    2,326sqft
    : 
    $12,471/mo
    Get pre-qualified
    Single Family Residence
    Built in 2025
    6,534 Square Feet Lot
    $1,943,300 Zestimate®
    $859/sqft
    $-- HOA

    What's special

    Brand-new oceanside waterfront homeBuilt-in outdoor kitchenSmart electric toiletsCovered entertaining areaSoaring ceilingsChef-inspired kitchenContemporary tile flooring throughout
    OWNER FINANCING AVAILABLE -- 30% DOWN Brand-New Oceanside Waterfront Home with Pool & Dock in Key Largo Discover a beautifully crafted new construction home designed for effortless waterfront living in Key Largo. Situated directly on the ocean side, this impressive 4-bedroom, 4-bath custom residence pairs contemporary finishes with an exceptional outdoor setup made for boating, entertaining, and enjoying the Florida Keys lifestyle. Your Private Outdoor Retreat: The backyard is designed to be enjoyed year-round, centered around a heated and chilled saltwater pool featuring: 5'-6'' depth, Massage jets, Beach shelf with umbrella holder, Five LED pool lights' and a Safety net. Just beyond the pool, a substantial 15' x 40' private dock provides an ideal launch point for days on the water. The dock includes durable polyurethane synthetic decking, a power pedestal with LED lighting, water hookup, and both 30-amp and 120V electrical receptacles. Outdoor Entertaining, Elevated: The covered entertaining area makes outdoor gatherings easy and comfortable. The built-in outdoor kitchen is equipped with an outdoor-rated refrigerator/freezer, 32'' BULL BBQ, and sink, creating the perfect setting for everything from casual lunches to sunset dinners after a day on the boat. Contemporary Interior with Premium Appointments: Inside, the home continues the modern coastal aesthetic with carefully selected finishes and high-end features. Chef-inspired kitchen includes a 42'' GE Monogram counter-depth refrigerator, GE appliances, 36'' stovetop, tower oven/microwave combination, and wine cooler. Four beautifully appointed bathrooms feature smart electric toilets, rain and handheld shower systems, body jets, and frameless barn-style glass shower doors. Architectural details include soaring ceilings, 8' custom interior doors with smoked-glass inlays, and contemporary tile flooring throughout. Everyday convenience comes from dual inline water heaters and two Bosch stackable washer/drye Additional Property Features: Standing-seam 16" panel metal roof, Brick driveway with solar lighting, Spacious covered outdoor living area, Quick access to the Atlantic, Brand-new construction and Move-in ready Whether you're envisioning a private Keys getaway, a full-time waterfront residence, or a place where boating and outdoor living are part of everyday life, this newly completed Key Largo home offers an exceptional combination of modern design, private dockage and access to the Florida Keys lifestyle. Owner financing available with 30% down.
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    Zillow last checked:

    Listing updated:

    Listed by:

    JOY C MARTIN 305-394-7866,

    American Caribbean Real Estate, Christie's International Real Estate

    Source: FLKMLS,MLS#: 621495MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 4
      • Full bathrooms: 4
      Cooling
      • Central Air, Ceiling Fans(s)
      Appliances
      • Included: Washer, Dryer, Dishwasher, Refrigerator, Range, Microwave, Freezer, Wine Cooler, Stainless Steel Appliance(s)
      Features
      • Built-in Features, Walk-in Closet(s)
      • Flooring: Tile
      Interior area
      • Total structure area: 2,326
      • Total interior livable area: 2,326 sqft

      Property

      Parking
      • Parking features: Attached, Open
      • Has attached garage: Yes
      • Has uncovered spaces: Yes
      Features
      • Patio & porch: Open Porch/Balcony
      • Exterior features: Lighting, Outdoor Kitchen, Storage
      • Has private pool: Yes
      • Pool features: In Ground
      • On waterfront: Yes
      Lot
      • Size: 6,534 Square Feet
      Details
      • Parcel number: 00546380000000
      • Zoning: IS - Improved Subivision District

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • CBS
      Condition
      • New Construction
      • New construction: Yes
      • Year built: 2025

      Community & HOA

      Community
      • Security: Other
      • Subdivision: Winston Waterway (102.0)
      HOA
      • Has HOA: No
      • Services included: None
      Location
      • Region: Key Largo

      Financial & listing details

      • Price per square foot: $859/sqft
      • Tax assessed value: $351,624
      • Annual tax amount: $3,094
      • Date on market: 10/3/2026
      • Listing terms: Seller Finance Psble,Cash,Conventional,FHA

        Estimated market value

        $1,943,300

        $1.85M - $2.04M

        Not available

        Price history

        DateEventPrice
        6/27/2026Price change$1,999,000-11.2%$859/sqft
        Source: FLKMLS #616151 Report a problem
        2/27/2026Price change$2,250,000-3.4%$967/sqft
        Source: FLKMLS #616151 Report a problem
        1/6/2026Price change$2,330,000-4.9%$1,002/sqft
        Source: Key West AOR #616151 Report a problem
        8/14/2025Listed for sale$2,451,000+964.3%$1,054/sqft
        Source: Key West AOR #616151 Report a problem
        8/14/2020Sold$230,300-0.7%$99/sqft
        Source: FLKMLS #591015 Report a problem
        7/1/2020Price change$232,000-6.5%$100/sqft
        Source: Kirilauscas & Associates Realty, LLC #591015 Report a problem
        4/23/2020Price change$248,000-15.8%$107/sqft
        Source: Kirilauscas & Associates Realty, LLC #589303 Report a problem
        4/1/2020Price change$294,500-9.5%$127/sqft
        Source: Kirilauscas & Associates Realty, LLC #589303 Report a problem
        2/21/2020Price change$325,500-4.5%$140/sqft
        Source: Kirilauscas & Associates Realty, LLC #589303 Report a problem
        1/21/2020Listed for sale$341,000+210%$147/sqft
        Source: Kirilauscas & Associates Realty, LLC #589303 Report a problem
        8/17/2016Sold$110,000-55.5%$47/sqft
        Source: Public Record Report a problem
        12/19/2005Sold$247,000+517.5%$106/sqft
        Source: Public Record Report a problem
        8/12/1994Sold$40,000$17/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$3,095 +5.6%$351,624 +6.9%
        2024$2,931 +8.9%$328,988 +10%
        2023$2,691 +13.7%$299,080 +10%
        2022$2,367 -2.5%$271,891 +3.4%
        2021$2,428 +701.7%$262,976
        2020$303 $262,976 -4.9%
        2019$303 -87.6%$276,498
        2018$2,449 +2.7%$276,498 +33.3%
        2017$2,385 +16.2%$207,374 +5.1%
        2016$2,051 +15.9%$197,279 +48.7%
        2015$1,770 $132,653
        Find assessor info on the county website

        Monthly payment

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        Payment breakdown

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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

        33 / 100
        Car-Dependent
        67 / 100
        Bikeable

        Nearby schools

        GreatSchools rating

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