94825 Overseas Highway 281, Key Largo, FL 33037

$940,000

Virtual Tour

https://www.propertypanorama.com/instaview/mia/A11872673

Property Type: Residential Bedrooms: 4 Baths: 4 Square Footage: 2,574 Status: Active

Current Price: $940,000 List Date: 9/02/2025 Last Modified: 6/14/2026

Overview

Description

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 turn ... (Read more)

Listing Details MLS# A11872673

General Property Information

Property Sub Type: Single Family Residence
Bedrooms Total: 4
Bathrooms Total: 4
Bathrooms Full: 3
Bathrooms Half: Yes
Building Area Main: 2574
Living Area Main: 1540
Year Built: 2020
Carport YN: Yes
Carport Spaces: 2
Covered Spaces: 2
Lot Size Area: 1658
Lot Size Acres: 0.04
Senior Community YN: Yes
Outdoor Living Spaces YN: Yes
Stories Total: 3
Direction Faces: East
Pool Private YN: No
Furnished: Unfurnished

Property Features

Application Information: Association Approval Required Association Amenities: Gated; Security Association Fee Includes: Common Areas Dining Area: Dining/Living Room Exterior Features: Lighting Flooring: Tile Parking Features: Covered Property Condition: Resale Appliances: Dishwasher; Dryer; Electric Range; Microwave; Refrigerator; Washer Boat and Dock Features: Lift; Private Dock; Ramp Construction Materials: CBS Cooling: Ceiling Fan(s); Central Air Association Type: Homeowner Association Heating: Central Interior Features: Storage Levels: Three Or More Listing Terms: Cash; Conventional; FHA; VA Loan Pets Allowed YN: Yes Pets Allowed: Pet Restrictions Possible Possession: Negotiable Road Surface Type: Paved Roof: Metal Security Features: Security Patrol; Smoke Detector(s) Sewer: Public Sewer Special Information: Sold As-Is Tax Information: City/County Utilities: Cable Available Water Source: Public Window Features: Blinds Showing Requirements: 24 Hour Notice; Call Listing Agent; No Sign Outdoor Living Spaces: Balcony; Porch Balcony Details: Balcony - Open Porch Details: Porch - Open

Contract Information

Comp Sale YN: No
Original List Price: 960000
Occupant Type: Vacant

Location and Legal

Country: United States
County Or Parish: Monroe
County Parish Name: Monroe
Street Number: 94825
Street Name: Overseas
Street Suffix: Highway
Unit Number: 281
City Name: Key Largo
State Or Province: FL
Postal Code: 33037
Postal Code +4: 3903
Postal Zip: 33037
Subdivision Name: KEY LARGO OCEAN RESORT CO
Area: 5940 - Other Florida County
Geographic Area: Other
Elementary School: Key Largo
Middle Or Junior School: Key Largo
High School: Coral Shores
Parcel Number: 00483401028100
Zoning: SF - Single Family
Flood Zone: AE,VE

Financial Information

Association YN: Yes
Association Fee: 485
Association Fee Frequency: Monthly
Association Membership: Mandatory
Membership Fee Required YN: No
Tax Annual Amount: 5525
Tax Year: 2024
Tax Legal Description: UNIT 281 KEY LARGO OCEAN RESORT CONDOMINIUM OR2611-1090 OR2900-2460/62 OR2900-2464DC

Status Change Information

Major Change Timestamp: 2026-01-15T22:56:12Z
Major Change Type: Back on Market
Price Change Timestamp: 2025-12-18T23:18:19Z
Status Change Date: 2026-01-15

More Information

Entry Information

Entry Level: 2

Boat and Dock Information

Dock: Yes
Dock Details: Community Boat Dock, Community Boat Ramp, Community Ramp

Storm Protection

Impact Glass: Partial

Price Calculations

Current Price To SqFt: 610.38

Section Details

Parcel Number MLX: 9101

Originating Details

Originating System Key: 420155088
Originating System ID: M00000151

Office/Member Information

DXORIGMLSID: SEF

Application Information

Association Approval Required: Yes

Amenities

Clubhouse: Yes
Fitness Center: Yes
Maintained Community: Yes
Pool: Yes
Street Lights: Yes
Tennis Court(s): Yes

Association Amenities

Gated: Yes
Security: Yes

Association Fee Includes

Common Areas: Yes

Dining Area

Dining/Living Room: Yes

Exterior Features

Lighting: Yes

Flooring

Tile: Yes

Parking Features

Covered: Yes

Property Condition

Resale: Yes

Possession

Negotiable: Yes

Sewer

Public Sewer: Yes

Special Information

Sold As-Is: Yes

Utilities

Cable Available: Yes

Heating

Central: Yes

Window Features

Blinds: Yes

Appliances

Dishwasher: Yes
Dryer: Yes
Electric Range: Yes
Microwave: Yes
Refrigerator: Yes
Washer: Yes

Construction Materials

CBS: Yes

Interior Features

Storage: Yes

Levels

Three Or More: Yes

Listing Terms

Cash: Yes
Conventional: Yes
FHA: Yes
VA Loan: Yes

Road Surface Type

Paved: Yes

Roof

Metal: Yes

Security Features

Security Patrol: Yes
Smoke Detector(s): Yes

Water Source

Public: Yes

Boat and Dock Features

Lift: Yes
Private Dock: Yes
Ramp: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes

Association Type

Homeowner Association: Yes

Showing Requirements

24 Hour Notice: Yes
Call Listing Agent: Yes
No Sign: Yes

Master Bedroom/Bath

Master Bdrm - Upstairs: Yes

Pets Allowed YN

Yes: Yes

Pets Allowed

Pet Restrictions Possible: Yes

Tax Information

City/County: Yes

Outdoor Living Spaces

Balcony: Yes
Porch: Yes

Balcony Details

Balcony - Open: Yes

Porch Details

Porch - Open: Yes

Listing Office: RE/MAX All Keys Real Estate

Last Updated: June - 14 - 2026

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94825 Overseas Highway 281, Key Largo, FL 33037 (MLS# A11872673)