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For sale
    • $940,000

    94825 Overseas Hwy #281, Key Largo, FL 33037

    4beds
    1,540sqft
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    Single Family Residence
    Built in 2020
    1,742 Square Feet Lot
    $924,400 Zestimate®
    $610/sqft
    $434/mo HOA

    What's special

    Generous open layoutDedicated laundry room
    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 gearWhether 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.
    320 days
    |
    189
    |
    8
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Joe C Vigo, P.A. 786-236-8647,

    RE/MAX All Keys Real Estate

    Source: FLKMLS,MLS#: 616376MLS LogoOriginating MLS: Florida Keys

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 4
      • Full bathrooms: 3
      • 1/2 bathrooms: 1
      Heating
      • Central
      Cooling
      • Central Air
      Appliances
      • Included: Washer, Microwave, Oven, Range, Refrigerator, Dishwasher, Dryer
      Features
      • Granite Counters
      • Flooring: Tile
      • Doors: Glass Doors, Impact Rstnce Doors
      • Windows: Drapes/Blinds Incl, Impact Rstnce Window
      • Furnished: Yes
      Interior area
      • Total interior livable area: 1,540 sqft

      Property

      Parking
      • Parking features: Covered
      Accessibility
      • Accessibility features: No
      Features
      • Levels: 3 Stories
      • Stories: 3
      • Patio & porch: Open Porch/Balcony, Patio
      • Water view: None
      • Waterfront features: None, Dockage: Boat Ramp
      Lot
      • Size: 1,742 Square Feet
      • Features: Less Than 1/4 Acre
      Details
      • Parcel number: 00483401028100
      • Zoning: SF
      • Zoning description: Single Family

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • CBS
      • Roof: Metal
      Condition
      • Year built: 2020

      Utilities & green energy

      • Sewer: Municipal Sewer, Public Sewer
      • Utilities for property: FKAA, Cable Available

      Community & HOA

      Community
      • Features: Pool, Tennis Court(s), Clubhouse, Community Boat Ramp
      • Security: Security System, Patrolled Area
      • Subdivision: Key Largo Ocn Resorts (94.5)
      HOA
      • Has HOA: Yes
      • Services included: Cable TV, Security, Maintenance Grounds
      • 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,FHA,Conventional

        Estimated market value

        $924,400

        $878,000 - $971,000

        $4,375/mo

        Price history

        DateEventPrice
        1/15/2026Listed for sale$940,000$610/sqft
        Source: MIAMI #A11872673 Report a problem
        1/13/2026Pending sale$940,000$610/sqft
        Source: MIAMI #A11872673 Report a problem
        12/18/2025Price change$940,000-2.1%$610/sqft
        Source: FLKMLS #616376 Report a problem
        9/3/2025Listed for sale$960,000-14.7%$623/sqft
        Source: FLKMLS #616376 Report a problem
        6/29/2024Listing removed$1,125,000$731/sqft
        Source: MIAMI #A11520418 Report a problem
        3/19/2024Listing removed--
        Source: FLKMLS #608333 Report a problem
        1/24/2024Listed for sale$1,125,000$731/sqft
        Source: FLKMLS #608333 Report a problem
        1/24/2024Listing removed--
        Source: FLKMLS #607422 Report a problem
        11/13/2023Price change$1,125,000-2.2%$731/sqft
        Source: MIAMI #A11484868 Report a problem
        10/2/2023Listed for sale$1,150,000$747/sqft
        Source: Owner Report a problem
        9/16/2023Listing removed--
        Source: FLKMLS #604914 Report a problem
        4/12/2023Listed for sale$1,150,000+1177.8%$747/sqft
        Source: Key West AOR #604914 Report a problem
        7/17/2018Sold$90,000-19.6%$58/sqft
        Source: Public Record Report a problem
        3/29/2018Sold$112,000-6.7%$73/sqft
        Source: FLKMLS #578615 Report a problem
        2/6/2018Listed for sale$120,000$78/sqft
        Source: Coldwell Banker Schmitt Key Largo #578615 Report a problem

        Public tax history

        YearProperty taxesTax 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

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        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.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 33037

        Getting around

        25 / 100
        Car-Dependent
        44 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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