Live the Key Largo dream from this beautifully maintained oceanside retreat in Largo Sound Village. Built in 2016 and only 10 years young, this 4-bedroom, 3-bath property offers more than 2,500 square feet of flexible living space with the strength, efficiency and layout buyers want in the Florida Keys. Unlike many older Keys homes, this residence was thoughtfully built to modern expectations with solid poured-concrete walls, a metal roof, impact windows and doors, spray-foam-insulated attic and an elevated Flood Zone X setting designed to help mitigate flood risk and provide peace of mind. The upper residence features 3 bedrooms, 2 baths, 9-foot ceilings and a bright open floor plan made for gathering. The kitchen is the heart of the home, offering abundant cabinetry, granite counters, stainless appliances, coastal mosaic backsplash and an oversized island ideal for entertaining, casual meals and serving the day’s fresh catch. French doors open to a 43-foot-wide covered balcony with plenty of room for outdoor dining, lounging and evening cocktails in the island breeze. Downstairs, a well-appointed 1-bedroom, 1-bath guest apartment includes its own living and dining area, kitchenette/wet bar, refrigerator and covered porch, creating exceptional flexibility for guests, extended family, multigenerational living or potential rental appeal. A separate air-conditioned office provides a comfortable private workspace. Parking and storage are major standouts. The oversized 26-by-30-foot two-car garage is a rare and valuable Keys feature with room for vehicles, boating gear, dive equipment, fishing tackle, paddleboards, bikes and tools. The generous lot and open parking area provide ample space for a boat, RV, trailer and other toys, making this property especially appealing for buyers who want to fully enjoy the Keys lifestyle without sacrificing practicality. A new central A/C installed in 2025, tankless water heater, buried propane tank, gas dryer and gas-range hookup add comfort and efficiency. Easy-care tile flooring fits perfectly with relaxed coastal living, and furnishings are available as an option for buyers seeking a more seamless transition. The neighborhood boat ramp is just steps away, placing Largo Sound and the Atlantic within easy reach for fishing, diving, snorkeling, kayaking, paddleboarding and unforgettable days on the water. Key Largo is known as the Diving Capital of the World, with John Pennekamp Coral Reef State Park, the iconic Christ of the Abyss, world-class reefs, waterfront restaurants, fresh seafood, live music and endless boating adventures nearby. As the first of the Florida Keys, Key Largo offers the tropical escape buyers dream about while still providing convenient access to the mainland and South Florida. Rentals are permitted with a 28-day minimum, creating potential for monthly or seasonal income when the home is not being personally enjoyed. With a newer 2016 build, high-end finishes, separate guest accommodations, rare garage space, abundant parking and boat-friendly access, this property is ideal as a primary residence, second home or Keys investment. Whether your perfect day means chasing mahi offshore, snorkeling over coral reefs, hosting friends on the balcony or simply slowing down beneath the palms, this is the Key Largo lifestyle buyers come searching for. Opportunities like this are few and far between, and serious buyers should act quickly before this one is gone.
Property Description: Elevated
Single-familyProperty Type
2016Year Built
6,000 sq ftLot Size
$376Price/Sq.Ft.
$12/moHOA Dues
2 car garageParking
Listed by Elliott Hagood• HOME & FAMILY REAL ESTATE & PROPERTY MANAGEMENT
Contact: 386-690-6546
Bought with Elliott Hagood• HOME & FAMILY REAL ESTATE & PROPERTY MANAGEMENT
Est. $6,634 per month, based on comparable rentals
Sale and tax history for 417 3rd St
Sale History
Tax History
Date
Event
Price
Stellar MLS as Distributed by MLS Grid #NS1088544
Jul 20, 2026
Sold
$990,000
$376/sq ft
Jun 21, 2026
Pending
—
Jun 20, 2026
Listed
$1,050,000
$398/sq ft
FLKMLS #620308
Jul 20, 2026
Sold
$990,000
$376/sq ft
Jun 21, 2026
Contingent
—
Jun 17, 2026
Listed
$1,050,000
$398/sq ft
+59
Live the Key Largo dream from this beautifully maintained oceanside retreat in Largo Sound Village. Built in 2016, this 4-bedroom, 3-bath property offers more than 2,500 square feet of living space designed for relaxed Keys living. Solid poured-concrete walls, a metal roof, impact windows and doors, a spray-foam-insulated attic and an elevated Flood Zone X setting provide strength, efficiency and peace of mind. The upper residence features 3 bedrooms, 2 baths, 9-foot ceilings and an expansive open floor plan made for gathering. Abundant cabinetry, granite counters, stainless appliances, a coastal mosaic backsplash and an oversized island create an inviting kitchen at the heart of the home. French doors open to a 43-foot-wide covered balcony with plenty of room for outdoor dining, entertaining and evening cocktails. Downstairs, a well-appointed 1-bedroom, 1-bath guest apartment offers its own living and dining area, kitchenette/wet bar, refrigerator and covered porch, making it ideal for guests, extended family or income potential. A separate air-conditioned office provides a comfortable workspace. Parking is exceptional for the Keys, with an oversized 26-by-30-foot two-car garage offering room for vehicles, boating gear and storage, plus generous open parking with ample space for a boat or RV. A new central A/C installed in 2025, tankless water heater, buried propane tank, gas dryer and gas-range hookup add comfort and efficiency. The neighborhood boat ramp is just steps away, placing Largo Sound and the Atlantic within easy reach for fishing, diving, snorkeling and unforgettable days on the water. John Pennekamp Coral Reef State Park and the iconic Christ of the Abyss are nearby. Rentals are permitted with a 28-day minimum, creating potential for monthly or seasonal income. Ideal as a primary residence, second home or Keys investment, with furnishings available as an option.
FLKMLS #553254
Jun 22, 2011
Sold
$55,000
$21/sq ft
Oct 14, 2010
Listed
$75,000
$28/sq ft
This large lot is located just steps from the neighborhood park and boat ramp, Property is in permitting with 32 ROGO points for a 2,700 s. f. 4br/3.5bath home. Due for administrative relief.
Year
Property tax
Land + Additions
Assessment*
2025
$6,505 (+5.3%)
2024
$6,180 (+8.3%)
2023
$5,705 (+11.6%)
2022
$5,112 (+11.8%)
2021
$4,571 (+0.9%)
$145,500 + $329,197
$474,697
2020
$4,530 (−1.1%)
$133,500 + $332,645
$466,145
2019
$4,580 (+4.2%)
$133,500 + $332,645
$466,145
2018
$4,397 (+5.2%)
2017
$4,181 (+466.5%)
$112,500 + $339,610
$452,110
2015
$738 (+2.4%)
$69,000 + $1,941
$70,941
2014
$721
Public record
Public record
Zoning
Beds
3
Baths
2
Stories
2
Lot width
—
Lot depth
—
Lot size
6,000 Sq. Ft.
Year renovated
2018
Sq. Ft.
1,875
Year built
2016
Style
Single Family Residential
County
Monroe County
APN
1161 39 00474660000000
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Aug 27, 2026.
IS
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
Property details
Parking
Parking Information
Garage Dimensions: 30X26
Parking Features: Garage Door Opener, Guest, Off Street, Open, Oversized, RV Access/Parking
Garage Spaces: 2
Has Attached Garage
Has Garage
Interior
Virtual Tour
Bedroom Information
# of Bedrooms: 3
Bathroom Information
# of Full Baths (Total): 2
Laundry Room Information
Laundry Features: Inside, Upper Level
Other Rooms Information
Additional Rooms: Interior In-Law Suite w/Private Entry
# of Rooms: 13
Heating & Cooling
Heating Information: Central
Cooling Information: Central Air, Mini-Split Unit(s), Other
Interior Features
Interior Features: Built-in Features, Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Kitchen/Family Room Combo, L Dining, Living Room/Dining Room Combo, Open Floorplan, Walk-in Closet(s), Window Treatments
Window Features: ENERGY STAR Qualified Windows, Shades, Storm Window(s), Window Treatments
Appliances: Dishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Range Hood, Refrigerator, Tankless Water Heater, Washer
Flooring: Tile
Exterior
Building Information
Construction Materials: Concrete
Roof: Metal
Exterior Features
Patio And Porch Features: Covered, Front Porch, Other, Rear Porch
Lot Features: Cleared, Conservation Area, Cul-De-Sac, City Limits, Level, Near Marina, Near Public Transit
Lot Size Acres: 0.14
Lot Size Dimensions: 60x100
Road Surface Type: Asphalt, Paved
Road Responsibility: Public Maintained Road
Lot Size Square Meters: 557
Zoning Compatible YN: 1
Building Information
MFR_BuildingAreaTotalSrchSqM: 417.32
Financial
Tax Information
Tax Annual Amount: $6,504.55
Tax Year: 2025
Lease / Rent Details
Lease Restrictions YN: 1
Utilities
Utility Information
Water Source: Public
Sewer: Public Sewer
Utilities: Electricity Connected, Propane, Public, Sewer Connected, Water Connected
Additional Water Information: Nearby boat ramp access option offers convenient launch options for enjoying Largo Sound, nearby canals, and the surrounding Florida Keys waters.
Location
Multi-Family Financial Information
Total Annual Fees: $150
Total Monthly Fees: $12.50
Multi-Unit Information
Unit Number YN: 0
Furnished: Negotiable
HOA Information
Has HOA
MFR_Association2YN: 0
Association Fee Requirement: Optional
Association Approval Required Y/N: 0
Monthly HOA Amount: 12.50
Association Fee: $150
Association Fee Frequency: Annually
Location Information
Directions: From the intersection of Card Sound Road and US-1, travel south on US-1/Overseas Highway approximately 2 miles to Mile Marker 104. Turn left toward the ocean onto Avenue B, then turn right onto 3rd St
Community Information
Community Features: Dog Park, Park
Pets Allowed: Yes
Public facts
Beds: 3
Baths: 2.0
Sq. Ft.: 1,875
Stories: 2.0
Lot Size: 6,000 square feet
Style: Single Family Residential
Year Built: 2016
Year Renovated: 2018
County: Monroe County
APN: 1161 39 00474660000000
Home facts updated by county records on Aug 27, 2026
Other
Miscellaneous Information
Third Party YN: 1
Listing Information
Attribution Contact: 386-690-6546
Previous Status: Pending
Backups Requested YN: 0
Listing Date Information
Days to Contract: 1
Status Contractual Search Date: 2026-07-20
Listing Price Information
Calculated List Price By Calculated Sq Ft: 398.48
Green Information
Green Verification Count: 0
Direction Faces: West
Home Information
Living Area: 2635
Living Area Units: Square Feet
Living Area Source: Estimated
Living Area Meters: 244.80
Building Area Total: 4492
Building Area Units: Square Feet
Building Area Source: Public Records
Foundation Details: Slab, Stilt/On Piling
Stories Total: 2
Levels: Two
Security Features: Closed Circuit Camera(s), Security Lights, Security System Owned
Around this home
Schools
Key Largo School
Public PreK-8 • Assigned • 0.9mi
8/10
Coral Shores High School
Public 9-12 • Assigned • 13.6mi
5/10
Provided by GreatSchools
Climate risks
6/10 Flood Factor
Estimated 62-76% 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, 30 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
86
81
88
81
87
81
83
77
79
72
77
68
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
95/ 100
Exceptional sunlight
Sunscore
This home receives average direct sun exposure in Key Largo. There appears to be minimal shading by surrounding buildings, terrain, and vegetation.