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For sale

94825 Overseas Hwy #281

Key Largo, FL 33037

$940,000

$610/ft²

4Beds
3.5Baths
1,540Sq ft
2020Year built
Single-family homeType

About this home

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 turnkey vacation rental, a fully furnished primary home, or a second home getaway, this property is ready to welcome you. Enjoy effortless short-term rental setup or settle into year-round island serenity. KLOR offers an impressive array of amenities, including: ??? Full-service marina (all slips currently occupied; waiting list available) ?? Private concrete boat ramp with direct ocean access ????? Resort-style swimming pool ?????? Modern fitness center ?? Tennis and basketball courts ?? Clubhouse and more.

Property details

Listing

MLS #
A11872673
Status
For sale
Listed on
Sep 2, 2025
Days on market
342 days
Listing data updated
Jun 12, 2026

Interior

Beds
4
Baths
3.5
Living area
1,540 ft²
Price per ft²
$610/ft²

Building & community

Type
Single-family home
Year built
2020
HOA fee
$485/mo
County
Monroe

Lot & exterior

Lot size
1,658 ft²

Days on market, price per ft² and the monthly HOA amount are calculated by this site from the MLS data shown; the association fee is normalized to a monthly figure.

True monthly cost

Mortgage (principal & interest)
$4,753
Property taxes (est.)
$862
Home insurance (est.)
$600
Flood insurance (est.)
HOA fee
$485

Estimated total$6,700*/mo

* Some cost lines aren't available yet for this listing; the total shown is incomplete.

Based on 20% down, a 6.5% rate and a 30-year loan, plus this home's estimated Florida carrying costs. All figures are illustrative estimates — not quotes, not financial or insurance advice.

Sources: flood zone — FEMA National Flood Hazard Layer; mortgage, taxes and insurance figures — this site's own estimates; HOA / CDD — as reported for this listing.

What will this home really cost you?

Location

Mortgage calculator

$4,753/moEstimated principal & interest. Taxes, insurance, and HOA are not included. This is an estimate, not a quote or financial advice.

Equal Housing Opportunity

This listing is courtesy of RE/MAX All Keys Real Estate.

Jose Vigo · 786-236-8647 · jvigo28@gmail.com · 305-451-0060

Data deemed reliable, but is not guaranteed accurate by MIAMI REALTORS®.

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