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New construction
  • Price cut: $251K (6/27)
    $1,999,000

    862 Cardinal Ln, Key Largo, FL 33037

    4beds
    2,326sqft
    : 
    $11,420/mo
    Get pre-qualified
    Single Family Residence
    Built in 2025
    6,969 Square Feet Lot
    $1,948,000 Zestimate®
    $859/sqft
    $-- HOA

    What's special

    Contemporary tile flooringRain and handheld showersGourmet outdoor kitchenSpacious covered entertaining areaSoaring ceilingsMassage jetsDual inline water heaters
    OWNER FINANCING!! Experience Elevated Coastal Living - Brand New Oceanside Pool Home with Dock in Key Largo Welcome to your dream waterfront retreat in Key Largo! This stunning brand-new, 4 bedroom and 4 bath custom-built pool home combines sleek modern design with top-tier amenities, offering the perfect blend of style and comfort. Lets start with your Outdoor Paradise Step outside to your private heated and chilled saltwater pool with a 5'-6'' depth, massage jets, beach shelf with umbrella holder, five LED lights, and a safety net for peace of mind. The expansive 15' x 40' dock features polyurethane synthetic decking, a power pedestal with LED lighting, water hookup, 30-amp and 120V receptacles--ideal for boating enthusiasts. For reference, there is a 37' Intrepid at the dock. Gourmet Outdoor Kitchen Enjoy shaded and cool al fresco dining with a fully equipped outdoor kitchen featuring a built-in outdoor-rated refrigerator/freezer, 32'' BULL BBQ, and sink--perfect for entertaining after a day on the water. Interior Highlights • Gourmet Chef's Kitchen: GE Monogram 42'' counter-depth refrigerator, GE appliances, 36'' stovetop, tower oven/microwave combo, and wine cooler. • Luxurious Baths: All four bathrooms boast smart electric toilets, rain and handheld showers, body jets, and frameless barn glass shower doors. • High-End Finishes: Soaring ceilings, 8' custom doors with smoked glass inlays, and contemporary tile flooring. • Convenience: Dual inline water heaters and dual Bosch stackable washer/dryer sets. Additional Features • Standing seam 16'' panel roof • Brick driveway with solar lighting • Spacious covered entertaining area • Oceanside location with quick access to the Atlantic Whether you're looking for a luxury vacation retreat or a full-time waterfront residence, this Key Largo masterpiece offers the ultimate Florida Keys lifestyle--brand new, thoughtfully designed, and move-in ready.
    359 days
    |
    1,069
    |
    97
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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#: 616151MLS 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: 6,969 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: 8/14/2025
      • Listing terms: Seller Finance Psble,Cash,Conventional,FHA

        Estimated market value

        $1,948,000

        $1.85M - $2.05M

        $6,633/mo

        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

        Est. payment

        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.
        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

        34 / 100
        Car-Dependent
        67 / 100
        Bikeable

        Nearby schools

        GreatSchools rating

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