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.
For sale
Price cut: $25K (2/6)
$1,745,000
1210 Cactus St, Key Largo, FL 33037
5beds
3,120sqft
Est.:
Single Family Residence
Built in 1979
7,405.2 Square Feet Lot
$1,616,300 Zestimate®
$559/sqft
$17/mo HOA
What's special
Direct ocean accessSpa-like bathStunning master suiteExpansive porchPermitted first-floor additionOpen-concept upper level
- 220 days |
- 890 |
- 24 |
Zillow last checked: 7 hours ago
Listing updated: March 12, 2026 at 01:57pm
Listed by:
Joel Young 305-432-6610,
American Caribbean Real Estate, Christie's International Real Estate
Source: FLKMLS,MLS#: 616136
Originating MLS: Florida Keys
Originating MLS: Florida KeysTour 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
Estimated market value
$1,616,300
$1.54M - $1.70M
$6,851/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 2/6/2026 | Price change | $1,745,000-1.4%$559/sqft |
Source:  FLKMLS #616136 Report a problem | ||
| 1/23/2026 | Price change | $1,770,000-1.4%$567/sqft |
Source:  Key West AOR #616136 Report a problem | ||
| 8/13/2025 | Listed for sale | $1,795,000+215.5%$575/sqft |
Source: FLKMLS #616136 Report a problem | ||
| 1/9/2015 | Sold | $569,000-3.4%$182/sqft |
Source: FLKMLS #564866 Report a problem | ||
| 10/21/2014 | Pending sale | $589,000$189/sqft |
Source: American Caribbean Real Estate #564866 Report a problem | ||
| 7/26/2014 | Listed for sale | $589,000$189/sqft |
Source: American Caribbean Real Estate #564866 Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax 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
$9,779/mo
Principal & interest
$8570
Property taxes
$1192
HOA Fees
$17
More affordability tools
Climate risks
Neighborhood: 33037
Nearby schools
GreatSchools rating
- 8/10Key Largo SchoolGrades: PK-8Distance: 6.7 mi
- 4/10Coral Shores High SchoolGrades: 9-12Distance: 7.8 mi
Local experts in 33037
- Florida
- Monroe County
- Key Largo
- 33037
- 1210 Cactus St
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