94825 Overseas Hwy #281
Key Largo, FL 33037
$940,000
$610/ft²
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.
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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