BUYERS — 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.
For sale
$940,000
94825 Overseas Hwy #281, Key Largo, FL 33037
4beds
1,540sqft
Single Family Residence
Built in 2020
1,742 Square Feet Lot
$917,800 Zestimate®
$610/sqft
$434/mo HOA
What's special
Generous open layoutDedicated laundry room
- 366 days
- 191
- 6
Zillow last checked:
Listing updated:
Listed by:
Joe C Vigo, P.A. 786-236-8647,
RE/MAX All Keys Real Estate
Source: FLKMLS,MLS#: 616376
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Heating
- Has Heating (Unspecified Type)
Cooling
- Central Air
Appliances
- Included: Washer, Dryer, Dishwasher, Refrigerator, Range, Oven, Microwave
Features
- Granite Counters
- Flooring: Tile
- Furnished: Yes
Interior area
- Total structure area: 1,540
- Total interior livable area: 1,540 sqft
Property
Features
- Patio & porch: Open Porch/Balcony, Patio
Lot
- Size: 1,742 Square Feet
Details
- Parcel number: 00483401028100
- Zoning: SF - Single Family
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- CBS
Condition
- Year built: 2020
Utilities & green energy
- Utilities for property: Cable Available
Community & HOA
Community
- Features: Community Boat Ramp, Clubhouse
- Security: Security Guard, Security System
- Subdivision: Key Largo Ocn Resorts (94.5)
HOA
- Has HOA: Yes
- Services included: Cable TV, Common Area Mnt, Security
- HOA fee: $434 monthly
Location
- Region: Key Largo
Financial & listing details
- Price per square foot: $610/sqft
- Tax assessed value: $862,891
- Annual tax amount: $5,414
- Date on market: 9/3/2025
- Listing terms: Cash,Conventional,FHA
Estimated market value
$917,800
$872,000 - $964,000
$4,951/mo
Price history
| Date | Event | Price |
|---|---|---|
| 1/15/2026 | Listed for sale | $940,000$610/sqft |
Source: | ||
| 1/13/2026 | Pending sale | $940,000$610/sqft |
Source: | ||
| 12/18/2025 | Price change | $940,000-2.1%$610/sqft |
Source: | ||
| 9/3/2025 | Listed for sale | $960,000-14.7%$623/sqft |
Source: | ||
| 6/29/2024 | Listing removed | $1,125,000$731/sqft |
Source: | ||
| 3/19/2024 | Listing removed | -- |
Source: | ||
| 1/24/2024 | Listed for sale | $1,125,000$731/sqft |
Source: | ||
| 1/24/2024 | Listing removed | -- |
Source: | ||
| 11/13/2023 | Price change | $1,125,000-2.2%$731/sqft |
Source: | ||
| 10/2/2023 | Listed for sale | $1,150,000$747/sqft |
Source: Owner Report a problem | ||
| 9/16/2023 | Listing removed | -- |
Source: | ||
| 4/12/2023 | Listed for sale | $1,150,000+1177.8%$747/sqft |
Source: | ||
| 7/17/2018 | Sold | $90,000-19.6%$58/sqft |
Source: Public Record Report a problem | ||
| 3/29/2018 | Sold | $112,000-6.7%$73/sqft |
Source: | ||
| 2/6/2018 | Listed for sale | $120,000$78/sqft |
Source: Coldwell Banker Schmitt Key Largo #578615 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $6,080 +10.1% | $492,168 +10% |
| 2024 | $5,525 +3.8% | $447,425 +10% |
| 2023 | $5,322 +26.4% | $406,750 +10% |
| 2022 | $4,210 +5.2% | $369,773 +10% |
| 2021 | $4,004 +258.1% | $336,157 +230.3% |
| 2020 | $1,118 | $101,768 +10% |
| 2019 | $1,118 +7.5% | $92,516 |
| 2018 | $1,040 +18.2% | $92,516 -5.4% |
| 2017 | $879 +2.2% | $97,822 +53.4% |
| 2016 | $861 | $63,756 |
| 2015 | -- | $63,756 |
Find assessor info on the county website
Monthly payment
Est. payment








