Bay Harbor
Homes for Sale in Key Largo, FL
All 268 homes for sale in Key Largo, FL · median $829,950 · 213 homes for sale in 33037 · Monroe County homes for sale
True comps, carrying-cost math, and listings before the portals.
Nearby homes for sale
No active listings inside BAY HARBOR right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
| Location | Key Largo, Monroe County, FL · ZIP 33037, 33070 |
|---|---|
| Homes in the community | 59 (FL DOR 2025 assessment roll) |
| Years built | 1947–2021 (median 1982) |
| Typical living area | 1,320 sq ft (median) |
| Owner-occupied (homestead) share | 31% |
Data as of September 20, 2026. Listing data provided by Florida Keys MLS, Inc. Information is deemed reliable but is not guaranteed by the MLS to be accurate; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “BAY HARBOR key facts,” movewithmomentum.com/neighborhoods/bay-harbor--monroe, data as of September 20, 2026.
The market around Bay Harbor
Bay Harbor is too small for its own price trend, so here is the market around it.
In ZIP 33037, 255 homes are on the market and 16% are under contract — a slower corner of Key Largo.
Across Monroe County, 1,268 homes are active and 244 pending (16% under contract).
ZIP and county figures describe the wider market, not Bay Harbor specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in BAY HARBOR, Key Largo
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing data provided by Florida Keys MLS, Inc. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
The Bay Harbor buying strategy.
If we were buying in Bay Harbor today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Bay Harbor.
A closer look at the Bay Harbor market
The housing stock is 59 homes built between 1947 and 2021, and 31% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Bay Harbor. The deal is won or lost on condition, the comps, and the renovation math.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Bay Harbor buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Bay Harbor sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Bay Harbor, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Bay Harbor home worth?
Get a no-obligation home value based on real comparable sales in Bay Harbor, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Key Largo →
Frequently Asked Questions
How many homes are in Bay Harbor?
What share of Bay Harbor is owner-occupied?
When were the homes in Bay Harbor built?
Who is the best real estate agent for Bay Harbor?
How do I find a top Key Largo real estate agent who knows Bay Harbor?
Can Momentum Realty connect me with an agent for Bay Harbor?
Where is Bay Harbor, and what county is it in?
Data sources & freshness
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 33037/33070)) |
| Under-contract shares | Florida Keys MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2007 (38 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Florida Keys MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Florida Keys MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how BAY HARBOR fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Bay Harbor with Momentum Realty’s local guides.