For sale

$2,785,000

Est. $20,320/mo —

•

3,018

sq ft

20 Center Ln, Key Largo, FL 33037

About this home

Boater’s Dream Home in Stillwater! Stunning newer construction turn-key, smart waterfront estate offers 4 bedrooms, 3 full baths, 1 half bath, complete with a heated in-ground pool AND elevator. Built in 2015 and completely revamped in 2021, this home is crafted for the ultimate coastal lifestyle. Features a 55-ft finished dock with direct Blackwater Sound access, 18,000 lb boat lift, & 2 jet ski docks. The entire 3rd floor is dedicated to a luxurious primary suite with a spa-inspired bath, oversized walk-in closet, & private retreat. Walk up to your massive rooftop playground built to make fantasies come true! The fully pavered ground floor is built for entertaining, featuring a half bath, DC motor fans, ice maker, & built-in sound system. The main living level boasts soaring ceilings with floor-to-ceiling impact sliding doors, tinted windows, & electric shades. Enjoy an open gourmet kitchen with quartzite/marble countertops, stainless appliances, designer lighting, a dry bar with a wine cooler, plus a 2nd-floor primary suite, 2 additional bedrooms, 2 full baths, & a washer/dryer. Enjoy stunning views from oversized balconies on each living floor, plus a rooftop deck for sunset dining. Highlights include 2-zone A/C, exterior insect-defense blue lights, and low insurance at only $7,000 annually. Located at MM 105—just one hour from Miami! Can be sold fully furnished! Call listing agent today! Right over the bridge which makes an easy weekend drive from Miami & Lauderdale.

Single-familyProperty Type

2015Year Built

5,775 sq ftLot Size

$923Price/Sq.Ft.

4 spacesParking

Listed by Richard Kallabat • Keller Williams Capital Realty

•305-747-5117 (agent)

•richardk@kw.com (agent)

•305-662-7325 (broker)

•JoelD@kw.com (broker)

Listed by Sebastian Zamudio Cortes • Keller Williams Eagle Realty

•305-757-1700 (broker)

•david@davidinmiami.com (broker)

Listing updated: Oct 21, 2026 at 10:31am

Redfin checked: a minute ago

•Source:MARMLS #A12107539

Payment calculator

$20,320 per month

Principal and interest$15,388

Property taxes

$1,497

HOA dues

Home insurance

$3,435

Utilities

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Affordability tools

Open houses

No upcoming open houses.

Nearby open houses (10)

OPEN TODAY, 11:30AM TO 2PM
$1,825,000
3 beds3 baths2,658 sq ft
226 Normandy Dr, Tavernier, FL 33070
3,600 sq ft lot • 2 garage spots • Built 2011
(305) 510-3244
OPEN TODAY, 12PM TO 2PM
$440,000
2 beds2 baths1,048 sq ft
2 Bowen Dr, Key Largo, FL 33037
0.24 acre lot • Built 1967 • Listed 3 days
OPEN TODAY, 12PM TO 3PM
$65,000
2 beds1 bath288 sq ft
95350 Overseas Hwy #3, Key Largo, FL 33037
1.98 acre lot • Parking • Built 1993
OPEN TODAY, 12PM TO 2PM
$349,000
1 bed1 bath— sq ft
93 1st. Ct, Key Largo, FL 33037
Built 1958 • Listed 18 days
(954) 545-5583
OPEN TODAY, 12PM TO 3PM
$75,000
1 bed1 bath288 sq ft
95350 Overseas Hwy #22, Key Largo, FL 33037
1.98 acre lot • Parking • Built 1980
OPEN TODAY, 1PM TO 4PM
$1,025,000
3 beds2 baths1,499 sq ft
85 Henry Morgan Dr, Key Largo, FL 33037
7,500 sq ft lot • Garage • Built 2009
OPEN SUN, 11AM TO 1PM
$899,000
2 beds1 bath793 sq ft
33 Jolly Roger Dr, Key Largo, FL 33037
5,000 sq ft lot • Built 1957 • Listed 2 days
OPEN SUN, 11AM TO 1PM
$1,399,000
2 beds2 baths1,056 sq ft
233 Jolly Roger Dr, Key Largo, FL 33037
5,000 sq ft lot • Garage • Built 2024
OPEN SUN, 11AM TO 2PM
$1,045,000
3 beds2 baths1,664 sq ft
26 Shoreland Dr, Key Largo, FL 33037
5,750 sq ft lot • Parking • Built 1974
(305) 551-9400
OPEN SUN, 11AM TO 1PM
$3,790,000
5 beds5.5 baths3,710 sq ft
109 Ellington Ct, Tavernier, FL 33070
5,196 sq ft lot • Pool • Built 2025

Around this home

Schools

K - 12
Preschool & daycare

Key Largo School

Public PreK-8 • Assigned • 0.6mi

7/10

Coral Shores High School

Public 9-12 • Assigned • 14.7mi

5/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Offer insights

20 Center Ln · $2,785,000

Strong offer

$2.78M and above

75% chance or better to win

Why $2.78M+ is a strong offer

DAYS ON MARKET

The average home goes pending in 168 days.

SALE-TO-LIST

Most homes are selling 6% below list price.

About offer insights

Property details

Interior
Exterior
Finance

Kitchen

Bathroom

Bedroom

Living

Interior features
Blinds and drapes
Impact glass
Accessible elevator
Negotiable furnishings
Breakfast bar and breakfast area
Built-in features
Dual sinks
Kitchen island
Living and dining room
Sitting area in the primary bedroom
Split bedrooms
Separate shower
Walk-in closet
Elevator

Bathrooms
3 full bathrooms
1 half bathroom

Kitchen
Dishwasher
Electric range
Disposal
Icemaker
Microwave
Refrigerator
Self-cleaning oven

Laundry & utility
Washer
Dryer
Electric water heater

Flooring
Tile

Heating & cooling
Central electric heating
Central air conditioning
Ceiling fans

Sale and tax history for 20 Center Ln

Sale History
Tax History

Date

Event

Price

FLKMLS #621707

Oct 20, 2026

Listed

$2,785,000

$923/sq ft

+54

Experience waterfront luxury in Key Largo's Stillwater enclave. This turnkey smart home offers 4 bedrooms, 3 full baths and 1 half bath, complemented by a heated in-ground pool and elevator. Built in 2015 and reimagined in 2021, the residence embodies sophisticated island living. A 55-ft finished dock with direct Blackwater Sound access, an 18,000 lb boat lift and 2 jet ski docks creates an exceptional setting for boating. The paved ground level invites entertaining with a half bath, DC motor fans, ice maker and built-in sound system. Soaring ceilings, floor-to-ceiling impact sliding doors, tinted windows and motorized canal-facing shades enhance the main living level. The open gourmet kitchen features quartzite/marble countertops, stainless steel appliances, designer lighting and a dry bar with wine cooler. A 2nd-floor primary suite, 2 additional bedrooms, 2 full baths and washer/dryer provide comfort and convenience. Occupying the entire 3rd floor, a second primary suite offers a spa-inspired bath, oversized walk-in closet and a private retreat. Expansive balconies on each living floor frame waterfront views, while a rooftop deck sets the scene for sunset dining. Additional features include 2-zone A/C and exterior insect-defense blue lights. Current insurance is $7,000 annually. Located at MM 105, approximately one hour from Miami. Available fully furnished.

MARMLS #A12107539

Oct 19, 2026

Listed

$2,785,000

$923/sq ft

FLKMLS #620703

Oct 20, 2026

Listing Removed

—

Jul 21, 2026

Listed

$2,795,000

$926/sq ft

FLKMLS #596441

Jul 27, 2021

Sold

$2,071,000

$686/sq ft

Jun 10, 2021

Listed

$2,100,000

$696/sq ft

FLKMLS #573977

Aug 2, 2017

Sold

$1,330,000

$441/sq ft

Jan 28, 2017

Listed

$1,385,000

$459/sq ft

FLKMLS #564391

Mar 30, 2015

Sold

$900,000

$298/sq ft

May 27, 2014

Listed

$900,000

$298/sq ft

Public Records

Jun 6, 2012

Sold

$325,000

$108/sq ft

Year

Property tax

Land + Additions

Assessment*

2026

$17,910 (−0.3%)

$636,463 + $1,491,503

$2,127,966

2025

$17,968 (+4.2%)

$651,333 + $1,510,512

$2,161,845

2024

$17,249 (+6.7%)

$588,877 + $1,529,493

$2,118,370

2023

$16,168 (+11.8%)

$505,601 + $1,473,684

$1,979,285

2022

$14,462 (+70.0%)

$398,533 + $1,432,941

$1,831,474

2021

$8,510 (−1.4%)

$258,749 + $779,048

$1,037,797

2020

$8,632 (−4.2%)

$258,749 + $787,788

$1,046,537

2019

$9,013 (+3.9%)

$258,749 + $787,788

$1,046,537

2018

$8,672 (+15.3%)

$267,671 + $723,266

$990,937

2017

$7,523 (+8.2%)

$267,671 + $618,299

$885,970

2016

$6,955 (+542.8%)

$223,544 + $535,672

$759,216

2015

$1,082 (−10.4%)

$223,544 + $535,672

$759,216

2014

$1,208

Public record

Public record
Zoning

Beds

Baths

3.5

Stories

Lot width

—

Lot depth

—

Lot size

5,775 Sq. Ft.

Year renovated

2018

Finished Sq. Ft.

3,018

Unfinished Sq. Ft.

—

Total Sq. Ft.

3,018

Year built

2015

Style

Single Family Residential

County

Monroe County

APN

0161 39 00515140000000

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Nov 12, 2026.

III

Improved Subdivision District

The purpose of the IS district is to accommodate the legally vested residential development rights of the owners of lots in subdivisions that were lawfully established and improved prior to the adoption of this LDC. For the purpose of this section, improved lots are those that are served by a dedicated and accepted existing road of porous or nonporous material, that have an approved potable water supply, and that have sufficient uplands to accommodate the proposed use in accordance with the required setbacks. This district is not intended to be used for new land use districts of this classification within the county.

Zone overlays

Tier III Overlay District

Permitted uses

Include but are not limited to:

Housing-Multiple units
Infrastructure

Climate risks

10/10 Flood Factor

Estimated 80%+ chance of a flood reaching the building in the next 30 years

1/10 Fire Factor

Unlikely to be in a wildfire in next 30 years

10/10 Heat Factor

7 days above 107° expected this year, 31 days in 30 years

10/10 Wind Factor

99% chance of strong winds in next 30 years

2/10 Air Factor

1 unhealthy days expected this year, 1 days in 30 years

Provided by First Street

Historical weather

Key Largo, FL • 33037

Average low and high temperatures (°F)

73°

62°

75°

66°

78°

70°

80°

74°

85°

79°

86°

81°

87°

82°

88°

81°

86°

79°

83°

77°

79°

72°

77°

68°

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

90/ 100

Exceptional sunlight

Sunscore

There appears to be minimal shading by surrounding buildings, terrain, and vegetation.

8.7 hrs

6.8 hrs

JuneDecember

Provided by Shadowmap

Redfin Estimate for 20 Center Ln

$2,697,318

$88K under list price of $2.79M

Nearby comparable homes

The Redfin Estimate uses 6 recent nearby sales, priced between $1.1M to $3.1M.

SOLD OCT 27, 2026
$3,150,000 Last sold price
4 beds4 baths3,285 sq ft
1642 Churchill Downs, Key Largo, FL 33037
$36/sq ft
larger lot
8 years newer
SOLD SEP 18, 2026
$1,300,000 Last sold price
4 beds2.5 baths1,920 sq ft
3 Snipe Rd, Key Largo, FL 33037
$246/sq ft
smaller lot
1 year older
SOLD MAY 21, 2026
$1,260,000 Last sold price
3 beds3 baths1,792 sq ft
20 Pelican Rd, Key Largo, FL 33037
$220/sq ft
smaller lot
10 years older
SOLD JAN 27, 2026
$1,980,000 Last sold price
3 beds3.5 baths1,825 sq ft
167 Long Key Rd, Key Largo, FL 33037
$162/sq ft
8 years newer
SOLD AUG 11, 2026
$1,150,000 Last sold price
2 beds1 bath960 sq ft
1 Snipe Rd, Key Largo, FL 33037
$275/sq ft
smaller lot
31 years older
SOLD SEP 28, 2026
$1,150,000 Last sold price
3 beds2 baths1,529 sq ft
339 Windley Rd, Key Largo, FL 33037
$171/sq ft
11 years older

Rental earnings

Est. $9,222 per month, based on comparable rentals

Contact listing agent

Richard Kallabat

Keller Williams Capital Realty

305-747-5117

richardk@kw.com

At this time, Redfin doesn't have an agent available to help you with this home.