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For sale
    • Price cut: $25K (2/6)
    $1,745,000

    1210 Cactus St, Key Largo, FL 33037

    5beds
    3,120sqft
    : 
    Single Family Residence
    Built in 1979
    7,405.2 Square Feet Lot
    $1,674,800 Zestimate®
    $559/sqft
    $17/mo HOA

    What's special

    Direct ocean accessSpa-like bathStunning master suiteExpansive porchPermitted first-floor additionOpen-concept upper level
    Waterfront Key Largo RetreatThis exceptional all-CBS with concrete roof canal-front home offers direct ocean access and puts world-class fishing and diving right at your doorstep, all while being ideally located for an easy mainland commute.The permitted first-floor addition was added in 2001 and features 2 bedrooms, 1.5 baths, and a garage. The upstairs main living area has a recent 720 sq. ft. addition, creating a stunning master suite with a spacious bedroom and spa-like bath. The open-concept upper level blends living, dining, and kitchen spaces, along with additional bedrooms and 2 baths, perfect for hosting family and friends.Enjoy a 60-foot split-level concrete dock with step-down access for kayaks, paddle boards, and low-profile vessels. Entertain on the expansive porch or take advantage of ample parking for boats, RVs, and trailers.Whether it's a sunrise paddle, an afternoon fishing trip, or an evening cruise, this property is your launch point for all your Florida Keys adventures. Don't miss your chance to live the waterfront lifestyle you've always dreamed of. Seller Financing Possible.
    192 days
    |
    1,458
    |
    33
    |

    Zillow last checked: 8 hours ago

    Listing updated: February 19, 2026 at 12:39pm

    Listed by:

    Joel Young 305-432-6610,

    American Caribbean Real Estate, Christie's International Real Estate

    Source: FLKMLS,MLS#: 616136MLS LogoOriginating MLS: Florida Keys

    Tour with a local agent

    Facts & features

    Interior

    Bedrooms & bathrooms
    • Bedrooms: 5
    • Bathrooms: 5
    • Full bathrooms: 4
    • 1/2 bathrooms: 1
    Heating
    • Central
    Cooling
    • Central Air, Ceiling Fans(s)
    Appliances
    • Included: Washer, Disposal, Microwave, Oven, Range, Refrigerator, Dishwasher, Dryer, Tankless Water Heater
    Features
    • Walk-In Closet(s)
    • Flooring: Tile, Laminate
    • Windows: Window Treatments, Impact Rstnce Window
    Interior area
    • Total interior livable area: 3,120 sqft

    Property

    Parking
    • Parking features: Garage, Covered, Garage Door Opener, Attached, Carport
    • Has garage: Yes
    • Has carport: Yes
    • Has uncovered spaces: Yes
    Features
    • Levels: Two
    • Stories: 2
    • Patio & porch: Open Porch/Balcony, Roof Top Deck
    • Fencing: Fenced
    • Has view: Yes
    • View description: Canal
    • Has water view: Yes
    • Water view: Canal
    • Waterfront features: Canal Front, Waterfront, Dock: Concrete, Dock Length: 60
    Lot
    • Size: 7,405.2 Square Feet
    • Dimensions: 60 x 124
    • Features: Less Than 1/4 Acre
    Details
    • Parcel number: 00520100000000
    • Zoning: IS
    • Zoning description: Improved Subivision District

    Construction

    Type & style
    • Home type: SingleFamily
    • Property subtype: Single Family Residence
    Materials
    • CBS
    • Roof: Concrete
    Condition
    • Year built: 1979

    Utilities & green energy

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

    Community & HOA

    Community
    • Subdivision: Rock Harbor Est (98.0)
    HOA
    • Has HOA: Yes
    • Services included: Other
    • HOA fee: $200 yearly
    Location
    • Region: Key Largo

    Financial & listing details

    • Price per square foot: $559/sqft
    • Tax assessed value: $1,374,511
    • Annual tax amount: $7,700
    • Date on market: 8/13/2025
    • Listing terms: Seller Finance Psble,FHA,Conventional,Cash
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    Estimated market value

    $1,674,800

    $1.59M - $1.76M

    $6,851/mo

    Price history

    Price history
    DateEventPrice
    2/6/2026Price change$1,745,000-1.4%$559/sqft
    Source: FLKMLS #616136 Report a problem
    1/23/2026Price change$1,770,000-1.4%$567/sqft
    Source: Key West AOR #616136 Report a problem
    8/13/2025Listed for sale$1,795,000+215.5%$575/sqft
    Source: FLKMLS #616136 Report a problem
    1/9/2015Sold$569,000-3.4%$182/sqft
    Source: FLKMLS #564866 Report a problem
    10/21/2014Pending sale$589,000$189/sqft
    Source: American Caribbean Real Estate #564866 Report a problem
    7/26/2014Listed for sale$589,000$189/sqft
    Source: American Caribbean Real Estate #564866 Report a problem

    Public tax history

    Public tax history
    YearProperty taxesTax assessment
    2025$8,071 +4.8%$936,493 +2.9%
    2024$7,700 +3.3%$910,101 +3%
    2023$7,453 +6.2%$883,594 +3%
    2022$7,015 +16.8%$857,729 +32.5%
    2021$6,008 +8.3%$647,362 +10%
    2020$5,547 $588,511 -4.4%
    2019$5,547 -4%$615,579 +4.7%
    2018$5,779 +2.2%$588,108 -2.5%
    2017$5,653 +0.5%$603,008 +15.4%
    2016$5,626 +6.9%$522,526 +161%
    2015$5,265 $200,235

    Find assessor info on the county website

    BuyAbility℠ payment

    Est. payment
    $9,736/mo
    Principal & interest
    $8527
    Property taxes
    $1192
    HOA Fees
    $17

      Climate risks

      Neighborhood: 33037

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