98701 Overseas Hwy

2,036 Sq. Ft.
$1,418 / Sq. Ft.
2,036
Sq. Ft.
$1,418
per Sq. Ft.

Description

A Secluded Waterfront Paradise in the Heart of the Florida Keys. Step into a world of minimalistic elegance and tranquility at this one-of-a-kind coastal oasis. Tucked away on over an acre of lushly landscaped, private property stretching from highway to water, this architecturally unique home offers serene luxury and endless possibilities. Arrive via a tree-lined driveway to discover a striking three-story coastal retreat. Featuring four private en suite bedrooms, each with its separate entrance,...A Secluded Waterfront Paradise in the Heart of the Florida Keys. Step into a world of minimalistic elegance and tranquility at this one-of-a-kind coastal oasis. Tucked away on over an acre of lushly landscaped, private property stretching from highway to water, this architecturally unique home offers serene luxury and endless possibilities. Arrive via a tree-lined driveway to discover a striking three-story coastal retreat. Featuring four private en suite bedrooms, each with its separate entrance, the home is designed to provide privacy and relaxation for family and guests alike, great rental property for corporate retreat. This property has just received a vacation rental license which brings enhanced opportunities for income producing short term vacation rentals. The sleek, contemporary design integrates seamlessly with the natural surroundings, offering captivating water views from every vantage point. Designed with entertaining in mind, this property boasts multiple spacious outdoor entertainment areas, including verandas overlooking the sparkling pool, sand-laden grounds, and tranquil waterfront oasis. Gather around the expansive fire-pit with seating for up to 14, perfectly situated at the water's edge for unforgettable evenings under the Keys' starry skies. Adding to its versatility, a secondary garage structure--measuring over 700 sq. ft. with soaring 11-foot ceilings--has been artfully re-imagined as a flexible guest space or personal retreat. With SR zoning permitting vacation rentals, this unique property offers endless opportunities, whether as a family compound, corporate retreat, or lucrative investment. Its layout, designed to maximize privacy and individuality, makes it especially appealing for those seeking a distinctive and adaptable space. Additional features include: Ample parking and storage, ideal for all your waterfront toys. A kayaker's or paddleboarder's dream, with access to nearby mangrove trails.
  1. Listed by JOY C MARTIN • American Caribbean Real Estate, Christie's International Real Estate

Property Details for 98701 Overseas Highway

Waterfront
Oceanfront, Open Water
Waterfront
Yes
Zoning
SR - Sub Urban Residential District
Subdivision
Rock Harbor Manor (97.0)
Directions
MM 98 Overseas Hwy--Ocean side
Vehicle Storage
Open Parking
Pets
Pets Allowed
LISTING UPDATED: 01/06/2026 11:39 AM

Property Details for 98701 Overseas Highway

StatusActive
MLS #613026
Days on Market411
Taxes$17,917 / year
HOA Fees-
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Single Family
Year Built1965
Lot Size1.13 AC / 49,130 SF
CountyMonroe County

Location

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

Building Information for 98701 Overseas Highway

Stories3Year Built1965Building Size-Lot Size1.13 AC / 49,130 SF

Payment Calculator

$15,569 per month

30 year fixed, 6.15% Interest

Principal and Interest

$14,076

Property Taxes

$1,493

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

Property Information for 98701 Overseas Highway

Summary
Location and General Information
  • Waterview: Ocean View, Open Water View
  • Area: 27 - Key Largo MM 97-107
  • Absolute Longitude: 80.450698
  • Control Depth: 2
  • Listing Board: Florida Keys
  • Side: Ocean
  • Mile Marker: 97.0
  • Marathon Neighborhood: N/A
  • Key/Island: Key Largo
Taxes and HOA Information
  • Association Info: Mandatory 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
  • Acres: 1.12
  • Parcel #: 00521460-000000
  • Land Size: 1 Less Than 2 Acres
Property and Assessments
  • Legal: PT LT 13 AND ALL LT 14 ROCK HARBOR MANOR PB2-54 KEY LARGO OR324-536 OR551-391 OR1248-566 OR1248-569 OR1288-10 OR2871-45
  • MLS Approved: Y
  • Bank Owned: No
  • SqFt Source: Property Data Card
  • Flood Zone: AE,X,0.2 PCT ANNUAL
  • Rentals Allowed: Yes
  • Deed Restrictions: Unknown
  • Picture Count: 47
  • Document Count: 3
  • Building Style: Above Flood: Yes
  • Title: Title Ins - Buyer
Utilities
  • Utilities: FKAA, Buyer to Verify, Municipal Sewer
  • Pub Sewer HkUp: Yes
  • Pool: Yes
  • Pool Info: Other Material: Aluminum
  • Pool Info: Above Ground
  • Porch/Balcony: Open Porch/Balcony
Interior and Exterior Features
Interior Features
  • Floor: Tile
  • Interior Features: Drapes/Blinds Incl, Storage, Built-in Cabinets
  • Appliances: Dishwasher, Stainless Steel Appliance(s), Freezer, Oven, Range, Refrigerator
Exterior Features
  • Roof: Combo Roof, Other Roof
  • Dockage: Dock Length: 30
  • Dockage: Dock: Wood
  • Construction: CBS, Combo Construction
  • Exterior Features: Fencing
  • Windows/Doors: Sliding Glass Doors, Impact Rstnce Window, Impact Rstnce Doors

Property History for 98701 Overseas Highway

DateEvent & SourcePriceAppreciation
Aug 29, 2025

Price Change

MiamiRE #A11720502

$2,888,000
Mar 25, 2025

Price Change

MiamiRE #A11720502

$2,950,000
Jan 8, 2025

Price Change

FKMLS #613026

$3,600,000
Jan 8, 2025

Price Change

FKMLS #613026

$2,950,000
Jan 8, 2025

Listed (Active)

MiamiRE #A11720502

$3,600,000
Jan 8, 2025

Listed (Active)

FKMLS #613026

$2,888,000
Jan 8, 2025

Temp Off Market

FKMLS #604233

Jan 20, 2024

Expired

MiamiRE #A11352662

Feb 17, 2023

Listed (Active)

FKMLS #604233

$4,250,000
Feb 1, 2023

Listed (Active)

MiamiRE #A11352662

$4,250,000
Jan 25, 2023

Expired

MiamiRE #A11264321

Jan 25, 2023

Expired

FKMLS #602347

Aug 27, 2022

Listed (Active)

MiamiRE #A11264321

$4,200,000
Aug 27, 2022

Listed (Active)

FKMLS #602347

$4,200,000
Jul 31, 2022

Expired

MiamiRE #A11182321

Mar 30, 2022

Listed (Active)

MiamiRE #A11182321

$3,995,000
Jun 11, 2020

Expired

MiamiRE #A10636015

Feb 20, 2020

Price Change

MiamiRE #A10636015

$327,800
Mar 8, 2019

Listed (Active)

MiamiRE #A10636015

$295,000
Jul 6, 2018

Sold

FKMLS #576969

$675,000
Feb 27, 2018

Pending

FKMLS #576969

Oct 3, 2017

Listed (Active)

FKMLS #576969

$750,000
DateEvent & SourcePrice
08/29/2025

Price Change

MiamiRE #A11720502

$2,888,000
03/25/2025

Price Change

MiamiRE #A11720502

$2,950,000
01/08/2025

Price Change

FKMLS #613026

$3,600,000
01/08/2025

Price Change

FKMLS #613026

$2,950,000
01/08/2025

Listed (Active)

MiamiRE #A11720502

$3,600,000
01/08/2025

Listed (Active)

FKMLS #613026

$2,888,000
01/08/2025

Temp Off Market

FKMLS #604233

01/20/2024

Expired

MiamiRE #A11352662

02/17/2023

Listed (Active)

FKMLS #604233

$4,250,000
02/01/2023

Listed (Active)

MiamiRE #A11352662

$4,250,000
01/25/2023

Expired

MiamiRE #A11264321

01/25/2023

Expired

FKMLS #602347

08/27/2022

Listed (Active)

MiamiRE #A11264321

$4,200,000
08/27/2022

Listed (Active)

FKMLS #602347

$4,200,000
07/31/2022

Expired

MiamiRE #A11182321

03/30/2022

Listed (Active)

MiamiRE #A11182321

$3,995,000
06/11/2020

Expired

MiamiRE #A10636015

02/20/2020

Price Change

MiamiRE #A10636015

$327,800
03/08/2019

Listed (Active)

MiamiRE #A10636015

$295,000
07/06/2018

Sold

FKMLS #576969

$675,000
02/27/2018

Pending

FKMLS #576969

10/03/2017

Listed (Active)

FKMLS #576969

$750,000

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

Public Records for 98701 Overseas Highway

Taxable ValueLand$1,514,432Additions$604,684Total$2,119,116
Tax Record2024$18,469 ($1,539 / month)
Home Facts
Beds3Baths2Total Finished SqFt2,044 SqFtAbove Grade Finished SqFt2,044 SqFtStories3Lot Size49,130 SqFtStyleSingle Family ResidenceYear Built1965Year Renovated2014CountyMONROEAPN00521460-000000

Schools near 98701 Overseas Highway

This home is within Monroe.
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

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98701 Overseas Highway is a single family home for sale in Key Largo, FL 33037. This property was listed for sale on January 8, 2025 by American Caribbean Real Estate, Christie's International Real Estate, it's currently listed at $2,888,000. It has been on the market for a total of 411 days and was last sold on July 6, 2018. This listing's school district is Monroe. Nearby schools include Key Largo School, Coral Shores High School and Ocean Studies Charter. 98701 Overseas Highway is a 4-bed, 5-bath, 2,036 sqft single family home built in 1965.

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 makes 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.