OFF MARKET

Off market feb 2021 for $825K

$1,173,400

Est. refi paymentEst. refi $5,424/mo

•

1,150

sq ft

232 Upper Matecumbe Rd, Key Largo, FL 33037

About this home

Beautiful Stilt Home in Lake Surprise Estates. 2/2, Dining area, Living area, Newly remodeled Bathrooms and Kitchen with huge island including Granite countertops. New Wood Flooring and recessed lighting throughout. Brand new metal roof and Hurricane Impact windows/sliding doors. Oversized screen room overlooking 60 feet of water frontage with a concrete dock. Aluminum boat lift and set of davits. Brand New aluminum custom railing. Huge Carport with lots of Storage downstairs. Too many features to list. This home is Turn Key.

Single-familyProperty Type

1987Year Built

6,000 sq ftLot Size

$1,020Est. Price/Sq.Ft.

Listed by Stuart Serrott • Tropical Realty of the Florida Keys, Inc.

Bought with Stuart Serrott • Tropical Realty of the Florida Keys, Inc.

Redfin checked: a minute ago

•Source:FLKMLS #593036

Redfin Estimate

$1,173,400

$348K since sold in February 2021$38K since October

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 16% higher than the average sale price ($1.01M) of 6 comparable homes.

SOLD AUG 14, 2026
$665,000
A
3 beds2 baths1,306 sq ft
8 N End Rd, Key Largo, FL 33037
SOLD AUG 28, 2026
$665,000
B
3 beds2 baths1,291 sq ft
32 S Andros Rd, Key Largo, FL 33037
SOLD AUG 31, 2026
$1,800,000
C
3 beds2 baths1,316 sq ft
34 S Blackwater Ln, Key Largo, FL 33037
SOLD SEP 28, 2026
$1,150,000
D
3 beds2 baths1,529 sq ft
339 Windley Rd, Key Largo, FL 33037
SOLD OCT 19, 2026
$615,000
E
3 beds2 baths1,120 sq ft
19 SE Marlin Ave, Key Largo, FL 33037
SOLD JUN 15, 2026
$1,175,000
F
3 beds2 baths1,472 sq ft
116 Long Key Rd, Key Largo, FL 33037

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Earn from this home

Refinance

Est. cash available

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Rent

$4,996/mo

Redfin rental estimate

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Market trends in 33037, FL

Last updated October 2026

Buyer's Market

Seller's Market

Buyer's market

Sale-to-list price

93.8%

+0.1% MoM

Median sale price

$1.1M

$89K MoM

Avg. days on market

180d

18 days MoM

Recently sold homes

1 MoM

New listings for sale

NEW 1 HR AGO
$780,000
2 beds1.5 baths450 sq ft
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NEW 3 HRS AGO
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(305) 451-4078
NEW 5 HRS AGO
$1,250,000
2 beds2.5 baths1,238 sq ft
96000 Overseas Hwy Unit B8, Key Largo, FL 33037
NEW 6 HRS AGO
$649,000
3 beds2 baths1,360 sq ft
900 Oleander Rd, Key Largo, FL 33037
OPEN SAT, 1PM TO 4PM
$1,025,000
3 beds2 baths1,499 sq ft
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$1,625,000
4 beds3 baths1,224 sq ft
233 La Paloma Rd, Key Largo, FL 33037
(305) 484-4344
NEW 25 HRS AGO
$649,000
1 bed1.5 baths730 sq ft
13 Pirates Dr, Key Largo, FL 33037
NEW 26 HRS AGO
$429,000
2 beds2 baths400 sq ft
101620 Overseas Hwy Unit 13N, Key Largo, FL 33037
NEW 31 HRS AGO
$925,000
3 beds2 baths1,575 sq ft
325 Calusa St #359, Key Largo, FL 33037
VIDEO TOUR
$719,000
4 beds2 baths1,632 sq ft
367 Buttonwood Shores Dr, Key Largo, FL 33037
(786) 548-5705
See all

Provided by Redfin

Sale history for 232 Upper Matecumbe Rd

Date

Event

Price

FLKMLS #593036

Feb 26, 2021

Sold

$825,000

$717/sq ft

Oct 19, 2020

Listed

$825,000

$717/sq ft

FLKMLS #563014

Oct 24, 2014

Sold

$472,500

$411/sq ft

Dec 19, 2013

Listed

$499,999

$435/sq ft

+37

Well Built Stilt Home in Lake Surprise! This home offers 2 bedrooms and 2 baths, dining area, living area, kitchen, and TV area. It also offers an oversize screen room overlooking the water. You have 60 feet of concrete dock with an aluminum boat lift and a set of davits. Storage, and carport downstairs. This property has a complete walk around balcony. This is a great home with easy boating and deep boating access to Blackwater Sound. Call today!

MARMLS #A1897066

Oct 7, 2014

Listing Removed

—

Dec 19, 2013

Listed

$499,999

$435/sq ft

Public Records

Feb 1, 1975

Sold

$12,000

$10/sq ft

Tax history for 232 Upper Matecumbe Rd

*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.

Public record

Public record
Zoning

Beds

Baths

Stories

Lot width

—

Lot depth

—

Lot size

6,000 Sq. Ft.

Year renovated

2012

Sq. Ft.

1,150

Year built

1987

Style

Single Family Residential

County

Monroe County

APN

3160 40 00534740000000

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Oct 9, 2026.

URM

III

Urban Residential—Mobile Home District

The purpose of the URM district is to recognize the existence of established mobile home parks and subdivisions, but not to create new such areas, and to provide for such areas to serve as a reservoir of affordable and moderate-cost housing in the county.

Zone overlays

Tier III Overlay District

Permitted uses

Include but are not limited to:

Housing-Multiple units
Infrastructure
Housing-Mobile home park
Park & open space

Property details

Parking

Parking / Garage Information
Vehicle Storage: Carport, Trailer Storage, Covered Parking, Off Street Parking, Guest Parking

Interior

Interior Features
Interior Features: Drapes/Blinds Incl, Built-in Cabinets, Bar, Walk-in Closet, Storage, Security System, Granite Counter Top
Flooring: Tile Floor, Wood Floor
Windows/Doors: French Doors, Impact Rstnce Window, Awning Windows
Cooling/Heating: Central A/C, Heat, Ceiling Fans
Appliances: Washer, Ice Machine, Freezer, Microwave, Oven, Range, Refrigerator, Dishwasher, Dryer
Furnished: Furniture Negotiable

Bathroom Information
# of Full Baths: 2

Specialty Room Information
Specialty Rooms: Laundry Room, Workshop, Utility Room

Exterior

Boat Slip/Dock Information
Dockage: Dock Length: 60
Dockage: Davits, Boat Lift
Dockage: Dock: Concrete

Exterior Features
Exterior Features: Built-in Grill, Storage, Shed, Outdoor Shower, Gutters, Fencing
Porch/Balcony: Screened Patio

Property Features
On Waterfront
Waterfront Type: Canal Front
Waterview: Bay/Gulf View, Canal View

Property Information
Property Condition: Updated/Remodeled
Deed Restrictions: No
Pets: Pets Allowed
Rentals Allowed: Yes
Min Rental Days: 28

Lot Information
Zoning: IS - Improved Subivision District
Land Size: Less Than 1/4 Acre
Control Depth: 4

Building Information
Year Built: 1,987
Sq. Ft. Source: Tax Records
Sq. Ft. Remarks: buyer to verify
Building Style: Stories: 2
Building Style: Above Flood: Unknown
Construction: Concrete, Combo Construction, Frame
Roof: Metal Roof

Subdivision/Neighborhood
Subdivision: Lake Surprise Estates (106.0)
Marathon Neighborhood: N/A

Financial

Tax Information
Taxes: $3,794
Tax Year: 2,019
Tax Exemptions: None

Financial Information
Terms: No Seller Finance, Conventional, Cash

Utilities

Utility Information
Utilities: FKAA, Elect Separate Meter, Municipal Sewer
Pre-Wired: Cable
Has Public Sewer Hook-up

Location

Homeowners Association Information
Association Info: 1st Right of Refusal: No
Association Info: Association Fee $: 0.00
Fee Includes: None

Location Information
Side: Bay/Gulf
Mile Marker: 106.00

Public facts

Beds: 2
Baths: 2.0
Sq. Ft.: 1,150
Stories: 2.0
Lot Size: 6,000 square feet
Style: Single Family Residential
Year Built: 1987
Year Renovated: 2012
County: Monroe County
APN: 3160 40 00534740000000

Home facts updated by county records on Oct 9, 2026

Other

Auction Information
Financial Status: Auction: No

Around this home

Schools

K - 12
Preschool & daycare

Key Largo School

Public PreK-8 • Assigned • 1.2mi

7/10

Coral Shores High School

Public 9-12 • Assigned • 15.7mi

5/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

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, 32 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)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

In this area, properties receive around 9.4 hours in June and 7 hours in December, placing it above the U.S. average for solar exposure.

9.4 hrs

7 hrs

JuneDecember

Provided by Shadowmap

Is this your home?

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Home values near 232 Upper Matecumbe Rd

Data from public records.

Address	Redfin Estimate
245 Upper Matecumbe Road, Key Largo, FL 3 Beds \| 2 Baths \| 1827 Sq. Ft.	$951,380
225 Upper Matecumbe Road, Key Largo, FL 2 Beds \| 2 Baths \| 1584 Sq. Ft.	$767,363
249 Upper Matecumbe Road, Key Largo, FL 3 Beds \| 2 Baths \| 1440 Sq. Ft.	$869,289
244 Upper Matecumbe Road, Key Largo, FL 2 Beds \| 1.5 Baths \| 1208 Sq. Ft.	$960,100
236 Upper Matecumbe Road, Key Largo, FL 2 Beds \| 2 Baths \| 1128 Sq. Ft.	$1,149,991
240 Upper Matecumbe Road, Key Largo, FL 3 Beds \| 2 Baths \| 1166 Sq. Ft.	$726,869
254 Lower Matecumbe Road, Key Largo, FL 5 Beds \| 4 Baths \| 2778 Sq. Ft.	$2,039,134

Address	Redfin Estimate
221 Upper Matecumbe Road, Key Largo, FL 2 Beds \| 1.5 Baths \| 1600 Sq. Ft.	$768,682
229 Upper Matecumbe Road, Key Largo, FL 5 Beds \| 3 Baths \| 3184 Sq. Ft.	$2,527,313
219 Upper Matecumbe Road, Key Largo, FL 3 Beds \| 2 Baths \| 1176 Sq. Ft.	$783,931
237 Upper Matecumbe Road, Key Largo, FL 3 Beds \| 2 Baths \| 1152 Sq. Ft.	$827,735
238 Upper Matecumbe Road, Key Largo, FL 1 Beds \| 1 Baths \| 608 Sq. Ft.	$708,872
257 Lower Matecumbe Road, Key Largo, FL 3 Beds \| 2.5 Baths \| 1550 Sq. Ft.	$900,058
243 Lower Matecumbe Road, Key Largo, FL 2 Beds \| 1 Baths \| 672 Sq. Ft.	$649,051

Address	Redfin Estimate
231 Upper Matecumbe Road, Key Largo, FL 2 Beds \| 2 Baths \| 1464 Sq. Ft.	$678,476
241 Upper Matecumbe Road, Key Largo, FL 3 Beds \| 2 Baths \| 1248 Sq. Ft.	$658,255
220 Upper Matecumbe Road, Key Largo, FL 3 Beds \| 1.5 Baths \| 746 Sq. Ft.	—
228 Upper Matecumbe Road, Key Largo, FL 3 Beds \| 2 Baths \| 1971 Sq. Ft.	$898,826
216 Upper Matecumbe Road, Key Largo, FL 3 Beds \| 2 Baths \| 864 Sq. Ft.	$748,778
239 Lower Matecumbe Road, Key Largo, FL 2 Beds \| 2 Baths \| 960 Sq. Ft.	$1,137,960
269 Lower Matecumbe Road, Key Largo, FL 4 Beds \| 2 Baths \| 1232 Sq. Ft.	—

Property information provided by FLKMLS when last listed in 2020. This data may not match . Learn more.

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About this home

Redfin Estimate

Earn from this home

Market trends in 33037, FL

Sale history for 232 Upper Matecumbe Rd

Tax history for 232 Upper Matecumbe Rd

Public record

Property details

Around this home

Schools

Lifestyle

Climate risks

Historical weather

Sun exposure

Is this your home?

Nearby similar homes

New listings for sale in 33037

Home values near 232 Upper Matecumbe Rd

More real estate resources