Active
4 beds2,326 sqft
862 Cardinal Ln, Key Largo, FL 33037
Est: $10,930/moGet pre-approved
Single FamilyProperty Type
0.16 acresLot Size
2025Year Built
$859/sq ftPrice per sq ft
4 carsParking Spaces

Description

OWNER FINANCING AVAILABLE -- 30% DOWNBrand-New Oceanside Waterfront Home with Pool & Dock in Key LargoDiscover a beautifully crafted new construction home designed for effortless waterfront living in Key Largo. Situated directly on the ocean side, this impressive 4-bedroom, 4-bath custom residence pairs contemporary finishes with an exceptional outdoor setup made for boating, entertaining, and enjoying the Florida Keys lifestyle. Your Private Outdoor Retreat: The backyard is designed to be enjoyed...OWNER FINANCING AVAILABLE -- 30% DOWNBrand-New Oceanside Waterfront Home with Pool & Dock in Key LargoDiscover a beautifully crafted new construction home designed for effortless waterfront living in Key Largo. Situated directly on the ocean side, this impressive 4-bedroom, 4-bath custom residence pairs contemporary finishes with an exceptional outdoor setup made for boating, entertaining, and enjoying the Florida Keys lifestyle. Your Private Outdoor Retreat: The backyard is designed to be enjoyed year-round, centered around a heated and chilled saltwater pool featuring: 5'-6'' depth, Massage jets, Beach shelf with umbrella holder, Five LED pool lights' and a Safety net. Just beyond the pool, a substantial 15' x 40' private dock provides an ideal launch point for days on the water. The dock includes durable polyurethane synthetic decking, a power pedestal with LED lighting, water hookup, and both 30-amp and 120V electrical receptacles. Outdoor Entertaining, Elevated:The covered entertaining area makes outdoor gatherings easy and comfortable. The built-in outdoor kitchen is equipped with an outdoor-rated refrigerator/freezer, 32'' BULL BBQ, and sink, creating the perfect setting for everything from casual lunches to sunset dinners after a day on the boat. Contemporary Interior with Premium Appointments:Inside, the home continues the modern coastal aesthetic with carefully selected finishes and high-end features. Chef-inspired kitchen includes a 42'' GE Monogram counter-depth refrigerator, GE appliances, 36'' stovetop, tower oven/microwave combination, and wine cooler. Four beautifully appointed bathrooms feature smart electric toilets, rain and handheld shower systems, body jets, and frameless barn-style glass shower doors. Architectural details include soaring ceilings, 8' custom interior doors with smoked-glass inlays, and contemporary tile flooring throughout. Everyday convenience comes from dual inline water heaters and two Bosch stackable washer/drye
Days on Market Listed Today
  • Listed by: JOY C MARTIN • American Caribbean Real Estate, Christie's International Real Estate
Last updated: 10/03/2026 06:53 PM • Source: FKMLS, MLS#: 621495

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Location

Listing Courtesy of American Caribbean Real Estate, Christie's International Real Estate
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Payment Calculator

$10,930 per month

30 year fixed, 7.03% Interest

Principal and Interest

$10,672

Property Taxes

$258

HOA Dues

$0

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Property Information for 862 Cardinal Lane

Property Details
  • Taxes: $3,095 / year
  • MLS Type: Residential / Single Family Residence
  • Waterfront: Canal Front
  • Waterfront: Yes
  • Zoning: IS - Improved Subivision District
  • Subdivision: Winston Waterway (102.0)
  • Directions: MM 1012 Oceanside-- Turn East on Mahogany, then right on Valencia Rd, then right on Cardinal. 1st house on the right, corner lot.
  • View: Canal
  • Vehicle Storage: Carport, Off Street Parking, Open Parking, Attached
  • Pets: Pets Allowed
Building Information
  • Stories: 2
  • Year Built: 2025
  • Lot Size: 0.16 AC / 6,900 SF
Summary
Location and General Information
  • Waterview: Canal View
  • Area: 27 - Key Largo MM 97-107
  • Absolute Longitude: 80.409933
  • Control Depth: 3
  • Off Shore Island: No
  • Listing Board: Florida Keys
  • Side: Ocean
  • Mile Marker: 102.0
  • Marathon Neighborhood: N/A
  • Key/Island: Key Largo
Taxes and HOA Information
  • Association Info: Mandatory Home Owners Asc: No
  • Association Info: Voluntary Home Owners Asc: No
  • Association Info: 1st Right of Refusal: No
  • Fee Includes: None
  • Furnished: Unfurnished
  • Tax Year: 2025
  • Tax Exemptions: None
Property
Lot Information
  • Lot Size: X
  • Acres: 0.15
  • Parcel #: 00546380000000
  • Land Size: Less Than 1/4 Acre
Property and Assessments
  • Legal: Bk 2 Lt 1 Amd Plat Of Winston Waterways Pb4-144 Or575-383 Or1319-438 Or1439-1791 Or2030-463 Or2174-55 Or2458-2065/66C/T
  • MLS Approved: Y
  • SqFt Source: Property Data Card
  • Flood Zone: AE
  • Rentals Allowed: With Restrictions
  • Deed Restrictions: Unknown
  • Picture Count: 50
  • Document Count: 0
  • Building Style: Above Flood: Yes
  • Property Condition: New Construction
  • Security: Other
  • Title: Title Ins - Buyer
Utilities
  • Utilities: FKAA, Buyer to Verify, Municipal Sewer
  • Pub Sewer HkUp: Yes
  • Pool: Yes
  • Pool Info: Heated: Yes
  • Pool Info: In Ground
  • Porch/Balcony: Open Porch/Balcony
Interior and Exterior Features
Interior Features
  • Floor: Tile
  • GF-Interior Features: Tankless Hot Wtr Htr
  • Interior Features: Cathedral Ceilings, Walk-in Closet(s), Built-in Cabinets, Entrance Foyer
  • Appliances: Washer, Stainless Steel Appliance(s), Wine Cooler, Freezer, Microwave, Range, Refrigerator, Dishwasher, Dryer
Exterior Features
  • Roof: Metal Roof
  • Dockage: Dock Length: 40
  • Dockage: Dock: Composite
  • Construction: CBS
  • Exterior Features: Lighting, Storage, Outdoor Kitchen
  • Windows/Doors: Impact Rstnce Window, Impact Rstnce Doors

Property History for 862 Cardinal Lane

DateEvent & SourcePriceAppreciation
Oct 3, 2026

Listed (Active)

Key West AOR #621495

$1,999,000—
Oct 3, 2026

Listed (Active)

FKMLS #621495

$1,999,000—
Sep 15, 2026

Cancelled

Key West AOR #616151

$1,999,000—
DateEvent & SourcePrice
10/03/2026

Listed (Active)

Key West AOR #621495

$1,999,000
10/03/2026

Listed (Active)

FKMLS #621495

$1,999,000
09/15/2026

Cancelled

Key West AOR #616151

$1,999,000

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public Records for 862 Cardinal Lane

Taxable ValueLand$351,624Additions-Total$351,624
Tax Record2024$2,931 ($244 / month)
Home Facts
Beds0Lot Size6,900 SqFtStyleResidentialCountyMONROEAPN00546380-000000

Schools near 862 Cardinal Lane

This home is within Monroe County Schools.
Rating
School
Type
Grades
Distance
Public - PK to 8
Public - 9 to 12
Charter - K to 8
Public - 6 to 12
Rating
School
Distance
Key Largo School
PublicPK to 8

Coral Shores High School
Public9 to 12

Ocean Studies Charter
CharterK to 8

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

Similar Homes

862 Cardinal Lane is a single family home for sale in Key Largo, FL 33037. This listing's school district is Monroe County Schools. Nearby schools include Key Largo School, Coral Shores High School and Ocean Studies Charter. 862 Cardinal Lane is a 4-bed, 4-bath, 2,326 sqft single family home built in 2025.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of any information, descriptions or measurements (including square footage measurements and property condition), such should be independently verified through appropriate means, including, but not limited to, in person inspection and public records, and Compass International Holdings, its subsidiaries, affiliates and independently owned and operated franchisees, and their affiliated agents and associated third parties expressly disclaim any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the seller's discretion. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties make no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of American Caribbean Real Estate, Christie's International Real Estate

Based on information from one of the following Multiple Listing Services: Beaches Multiple Listing Service, Inc., Martin County REALTORS® of the Treasure Coast, Inc., Miami Association of REALTORS®. Information being provided is for the visitor’s personal, noncommercial use and may not be used for any purpose other than to identify prospective properties visitor may be interested in purchasing. The data contained herein is copyrighted by Beaches Multiple Listing Service, Inc., Martin County REALTORS® of the Treasure Coast, Inc., Miami Association of REALTORS® is protected by all applicable copyright laws. Any dissemination of this information is in violation of copyright laws and is strictly prohibited. Property information referenced on this web site comes from the Internet Data Exchange (IDX) program of the MLS. This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site. For the avoidance of doubt, the accuracy of all information, regardless of source, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals.