97652 Overseas Hwy, Unit M4

Key Largo, FL 33037

$599,000
Price
1
Bed
1,195 Sq. Ft.
$501 / Sq. Ft.
1,195
Sq. Ft.
$501
per Sq. Ft.
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Contingent / Show
Contingent / Show
a spacious bedroom with a large bed and a large window
a kitchen with stainless steel appliances granite countertop a stove sink and cabinets
an outdoor sitting area with furniture and city view
a view of a backyard with sitting area
a kitchen with a table and chairs
a dining hall with lots of tables and chairs
a living room with furniture and a flat screen tv
a living room with furniture and a flat screen tv
Living room
a room with stainless steel appliances kitchen island granite countertop a table chairs in it and wooden floors
a bathroom with a sink and a mirror
a view of a kitchen with refrigerator and stove
a spacious bedroom with a bed and a large window
a large white bed sitting in a room next to a window
a living room with furniture and a large window
a bedroom with furniture and a chandelier
a view of walk in closet with empty racks
a bathroom with a granite countertop sink a toilet and a shower
a bathroom with a granite countertop sink and a mirror
Bath
a backyard of a house with lots of green space
a view of a yard with plants and a large tree
Sandy beach
a view of a swimming pool with a patio
a front view of a house with a lot of flowers
a couple of cars parked in front of a house
a aerial view of a house with a garden
an aerial view of a house with a yard
a view of a lake
an aerial view of ocean with residential house with outdoor space
a view of a balcony with two chairs and a table
Boat dock and sandy beach
an outdoor space with patio
an aerial view of a residential houses with outdoor space and trees all around
Pool
Picnic & Tennis area
a view of road and trees
a view of a park with large trees
a view of a yard
Gym with a view
a living room with furniture and a large window
a view of a city
Just let go

Description

Stunning remodel in exclusive Rock Harbor Club! Ideal as a pied-a-terre, or a full time home, this fully remodeled ground level flat is absolutely gorgeous, with carefully curated finishes & thoughtful updates. The expansive kitchen has been fully refitted from top to bottom including stainless steel appliances, marble counters, a pantry, coffee bar, breakfast bar, under cabinet lighting, open shelving and Miele washer & dryer - cleverly hidden behind cabinetry. Fully tiled throughout, with a wall...Stunning remodel in exclusive Rock Harbor Club! Ideal as a pied-a-terre, or a full time home, this fully remodeled ground level flat is absolutely gorgeous, with carefully curated finishes & thoughtful updates. The expansive kitchen has been fully refitted from top to bottom including stainless steel appliances, marble counters, a pantry, coffee bar, breakfast bar, under cabinet lighting, open shelving and Miele washer & dryer - cleverly hidden behind cabinetry. Fully tiled throughout, with a wall of impact glass doors looking through the lush hardwood hammock and beautiful Florida Bay. An oversized bedroom suite also features a wall of glass doors, a seating area & a walk in closet. The bathroom feels like a spa with sleek finishes, a double sized vanity & glass shower enclosure. Rock Harbor Club is a meticulously maintained, gated private community that offers fantastic amenities - including: dry stack boat storage with in/out service for boats up to 26', pool, tennis, basketball, clubhouse, gym, sauna, sandy beach, kayak launch, onsite property manager and more. Enjoy sunny days and nightly sunsets overlooking beautiful Florida Bay. 28 day minimum rentals, this condo has been rented for $6,000 per month in the winter season with a list of clientele that would love to return. Furnishings negotiable. South Key Largo location for easy access to all of the restaurants, shopping, boating, fishing and diving Key Largo, Tavernier & Islamorada are known for. Escape to Key Largo and enjoy the beauty of island life!
  1. Listed by Lorie Rhyne Leal • American Caribbean Real Estate, Christie's International Real Estate

Property Details for 97652 Overseas Highway, Unit M4

Waterfront
Bay Front, Open Water, Gulf Front
Waterfront
Yes
Zoning
SR - Sub Urban Residential District
Subdivision
Rock Harbor Condo (97.5)
Directions
Located at mile marker 97 bayside, need agent to enter gate. Shown by appointment only.
Vehicle Storage
Open Parking, Off Street Parking, Guest Parking
LISTING UPDATED: 03/21/2026 06:44 AM

Property Details for 97652 Overseas Highway, Unit M4

StatusContingent / Show
MLS #619041
Days on Market9
Taxes$4,155 / year
HOA Fees$951 / month
Condo/Co-op Fees-
Compass TypeCondo
MLS TypeResidential / Condo
Year Built1975
CountyMonroe County
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Location

Listing Courtesy of American Caribbean Real Estate, Christie's International Real Estate
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Building Information for 97652 Overseas Highway, Unit M4

Building/Complex97652 Overseas HwyFloor-Stories2Residences91Pet PolicyNot AllowedPet Policy Details-Year Built1975

Payment Calculator

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$4,204 per month

30 year fixed, 6.11% Interest

Principal and Interest

$2,907

Property Taxes

$346

HOA Dues

$951

The Payment Calculator is for illustrative purposes only.

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Property Information for 97652 Overseas Highway, Unit M4

Summary
Location and General Information
  • Waterview: Bay/Gulf View, Open Water View
  • Area: 27 - Key Largo MM 97-107
  • Absolute Longitude: 80.463597
  • Control Depth: 3
  • Listing Board: Florida Keys
  • Side: Bay/Gulf
  • Unit/Complex: Unit
  • Mile Marker: 97.5
  • Marathon Neighborhood: N/A
  • Neighborhood Feature: Community Pool, Beach, Manager on Premises, Tennis Courts, Clubhouse, Community Dockage
  • Key/Island: Key Largo
Taxes and HOA Information
  • Association Info: Mandatory Home Owners Asc: Yes
  • Association Info: Condo Doc's: Yes
  • Association Info: 1st Right of Refusal: No
  • Association Info: Assoc Approval Req: Yes
  • Fee Includes: Cable, Other, Security, Common Area Mnt, Building Insurance, Bldg Exterior Mnt, Water, Exterminating, Sewer
  • Furnished: Negotiable
  • Tax Year: 2025
  • Tax Exemptions: None
Property
Lot Information
  • Lot Size: X
  • Acres: 0.0
  • Parcel #: 00090965-000400
  • Land Size: 10 or more Acres
Property and Assessments
  • Legal: APT 4 ROCK HARBOR CONDOMINIUM NO 5 KEY LARGO OR684-118 OR1023-2374 OR1597-957 OR3044-1042 OR3174-1489 OR3197-1639 OR3234
  • MLS Approved: Y
  • SqFt Source: Seller
  • Flood Zone: X
  • Rentals Allowed: With Restrictions
  • Deed Restrictions: Unknown
  • Picture Count: 44
  • Document Count: 0
  • Building Style: Above Flood: Yes
  • Property Condition: Updated/Remodeled
  • Security: Electric Gate
  • Title: Title Ins - Buyer
Utilities
  • Utilities: FKAA, Municipal Sewer
  • Pub Sewer HkUp: Yes
  • Pool: Yes
  • Pool Info: Heated: Yes
  • Pool Info: In Ground, Concrete
Interior and Exterior Features
Interior Features
  • Floor: Tile
  • GF-Interior Features: Tankless Hot Wtr Htr
  • Interior Features: Pantry, Bar, Walk-in Closet(s), Storage, Built-in Cabinets
  • Appliances: Washer, Water Purification, Stainless Steel Appliance(s), Wine Cooler, Microwave, Oven, Refrigerator, Dishwasher, Dryer
Exterior Features
  • Roof: Concrete Roof
  • Shutters: Accordion
  • Construction: CBS, Concrete
  • Dockage: Dock Privileges, Other Dockage, First Come Dock
  • Exterior Features: Lighting, Tennis Court(s), Sandy Beach
  • Windows/Doors: Impact Rstnce Window, Impact Rstnce Doors

Property History for 97652 Overseas Highway, Unit M4

DateEvent & SourcePriceAppreciation
Mar 21, 2026

Backup Contract

FKMLS #619041

—
Mar 12, 2026

Listed (Active)

FKMLS #619041

$599,000—
Sep 15, 2020

Sold (Public Record)

Public Record #678454115

$425,000—
Sep 15, 2020

Sold

FKMLS #592135

$425,000—
Aug 17, 2020

Pending

FKMLS #592135

—
Aug 17, 2020

Listed (Active)

FKMLS #592135

$425,000—
Sep 4, 2016

Expired

FKMLS #570237

—
Mar 7, 2016

Listed (Active)

FKMLS #570237

$299,900—
Jun 9, 2014

Temp Off Market

FKMLS #562323

—
Oct 18, 2013

Listed (Active)

FKMLS #562323

$295,000—
DateEvent & SourcePrice
03/21/2026

Backup Contract

FKMLS #619041

—
03/12/2026

Listed (Active)

FKMLS #619041

$599,000
09/15/2020

Sold (Public Record)

Public Record #678454115

$425,000
09/15/2020

Sold

FKMLS #592135

$425,000
08/17/2020

Pending

FKMLS #592135

—
08/17/2020

Listed (Active)

FKMLS #592135

$425,000
09/04/2016

Expired

FKMLS #570237

—
03/07/2016

Listed (Active)

FKMLS #570237

$299,900
06/09/2014

Temp Off Market

FKMLS #562323

—
10/18/2013

Listed (Active)

FKMLS #562323

$295,000

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

Public Records for 97652 Overseas Highway, Unit M4

Taxable ValueLand-Additions$425,121Total-
Tax Record2024$3,985 ($332 / month)
Home Facts
Beds1Baths2Total Finished SqFt925 SqFtAbove Grade Finished SqFt925 SqFtLot Size433,547 SqFtStyleCondominiumYear Built1975CountyMONROEAPN00090965-000400

Schools near 97652 Overseas Highway, Unit M4

This home is within Monroe.
Rating
School
Type
Grades
Distance
Key Largo School
Public - PK to 8
Coral Shores High School
Public - 9 to 12
Ocean Studies Charter
Charter - K to 8
Upper Keys Academic Connections for Excellence
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

Upper Keys Academic Connections for Excellence
Public6 to 12

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.

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No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims 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 discretion of the seller. 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.