Welcome to your slice of paradise in Pumpkin Cay, where waterfront living meets laid-back coastal charm. This 4-bedroom, 3.5-bathroom Garden Home sits on the largest lot in the neighborhood, offering plenty of space to soak up the Florida Keys lifestyle. With a brand-new seawall, floating dock, and boat lift, your boat is always ready for a quick trip offshore or a sunset cruise on the Bay. The long canal views create the perfect backdrop for your morning coffee or evening cocktails. Inside, the open floor plan is made for easygoing living, with vaulted ceilings, tons of natural light, and a breezy indoor-outdoor flow. The kitchen is a dream—custom soft-blue cabinetry, elegant finishes, and water views that make every meal feel special. Step outside to your outdoor oasis, where a large pool, covered lanai, and outdoor kitchen set the stage for unforgettable gatherings or quiet afternoons lounging in the sun. The separate two-story guest suite—comprised of a ground-floor bedroom and bath as well as a second-floor guest suite with spectacular views—offers extra privacy for family and friends. With a newer roof, brand-new impact windows and doors, and a two-car garage, this home is as practical as it is beautiful. Whether you're a boating enthusiast, an angler, or just love the idea of waterfront sunsets and ocean breezes, this home is your perfect escape. Nestled in the northernmost part of Key Largo, Ocean Reef Club is a world-class private community offering an unparalleled blend of luxury, security, and exclusivity. With its own private airport, two championship golf courses, a state-of-the-art marina, and a member-exclusive yacht club, Ocean Reef is a haven for boating and golf enthusiasts alike. Enjoy top-tier dining, boutique shopping, and a vibrant social scene, all within the serene, gated community. From tennis courts and a spa to a cultural center and private medical facilities, every amenity is designed to elevate your coastal lifestyle.
For sale
$8,695,000
68 Pumpkin Cay Rd, Key Largo, FL 33037
4beds
2,500sqft
Est.:
Condominium
Built in 1979
-- sqft lot
$8,152,700 Zestimate®
$3,478/sqft
$912/mo HOA
What's special
Floating dockWaterfront livingBoat liftLarge poolCovered lanaiOutdoor kitchenOpen floor plan
- 53 days |
- 319 |
- 8 |
Zillow last checked: 8 hours ago
Listing updated: November 03, 2025 at 09:46am
Listed by:
Molly Taylor, Russell Post,
Ocean Reef Club Sotheby's International Realty
Source: CLS at Ocean Reef,MLS#: 2923
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Appliances
- Included: Washer, Dryer, Dishwasher, Refrigerator, Microwave
- Laundry: Laundry Closet
Features
- Windows: Impact Glass
- Has fireplace: Yes
Interior area
- Total structure area: 2,500
- Total interior livable area: 2,500 sqft
Video & virtual tour
Property
Features
- Stories: 2
- Patio & porch: Deck/Patio
- Exterior features: Dock
Details
- Parcel number: 00569513000509
- Special conditions: Traditional
Construction
Type & style
- Home type: Condo
- Property subtype: Condominium
Condition
- New construction: No
- Year built: 1979
Community & HOA
Community
- Subdivision: Pumpkin Cay Garden Homes
HOA
- Has HOA: Yes
- HOA fee: $2,736 quarterly
Location
- Region: Key Largo
Financial & listing details
- Price per square foot: $3,478/sqft
- Tax assessed value: $5,833,930
- Annual tax amount: $28,435
- Date on market: 11/3/2025
Estimated market value
$8,152,700
$7.75M - $8.56M
$5,838/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 11/3/2025 | Listed for sale | $8,695,000$3,478/sqft |
Source: | ||
| 7/7/2025 | Listing removed | $8,695,000$3,478/sqft |
Source: | ||
| 4/16/2025 | Price change | $8,695,000-8.4%$3,478/sqft |
Source: | ||
| 2/10/2025 | Listed for sale | $9,495,000+111%$3,798/sqft |
Source: | ||
| 3/14/2022 | Sold | $4,500,000-5.3%$1,800/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $29,012 +3.7% | $4,261,755 +2.9% |
| 2024 | $27,977 -0.9% | $4,141,648 |
| 2023 | $28,221 +17.2% | $4,141,648 +16.6% |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$54,079/mo
Principal & interest
$44182
Property taxes
$5942
Other costs
$3955
Climate risks
Neighborhood: 33037
Nearby schools
GreatSchools rating
- 8/10Key Largo SchoolGrades: PK-8Distance: 13.8 mi
- 4/10Coral Shores High SchoolGrades: 9-12Distance: 28.2 mi
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