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.
New construction
$1,999,000
862 Cardinal Ln, Key Largo, FL 33037
4beds
2,326sqft
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
- 1 day
- 376
- 40
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#: 621495
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
| Date | Event | Price |
|---|---|---|
| 6/27/2026 | Price change | $1,999,000-11.2%$859/sqft |
Source: | ||
| 2/27/2026 | Price change | $2,250,000-3.4%$967/sqft |
Source: | ||
| 1/6/2026 | Price change | $2,330,000-4.9%$1,002/sqft |
Source: | ||
| 8/14/2025 | Listed for sale | $2,451,000+964.3%$1,054/sqft |
Source: | ||
| 8/14/2020 | Sold | $230,300-0.7%$99/sqft |
Source: | ||
| 7/1/2020 | Price change | $232,000-6.5%$100/sqft |
Source: Kirilauscas & Associates Realty, LLC #591015 Report a problem | ||
| 4/23/2020 | Price change | $248,000-15.8%$107/sqft |
Source: Kirilauscas & Associates Realty, LLC #589303 Report a problem | ||
| 4/1/2020 | Price change | $294,500-9.5%$127/sqft |
Source: Kirilauscas & Associates Realty, LLC #589303 Report a problem | ||
| 2/21/2020 | Price change | $325,500-4.5%$140/sqft |
Source: Kirilauscas & Associates Realty, LLC #589303 Report a problem | ||
| 1/21/2020 | Listed for sale | $341,000+210%$147/sqft |
Source: Kirilauscas & Associates Realty, LLC #589303 Report a problem | ||
| 8/17/2016 | Sold | $110,000-55.5%$47/sqft |
Source: Public Record Report a problem | ||
| 12/19/2005 | Sold | $247,000+517.5%$106/sqft |
Source: Public Record Report a problem | ||
| 8/12/1994 | Sold | $40,000$17/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax 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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