HARBORAGE
Homes for Sale in Key Largo, FL
True comps, carrying-cost math, and listings before the portals.
Harborage sits in Key Largo, Monroe County, where waterfront positioning — not square footage — is the primary price driver. The community median lands at $1,537,500, a figure that reflects Keys geography more than interior finish or living area. At a median of 1,408 square feet, these are not large homes; buyers are paying for location, water access, and the scarcity that comes with Monroe County land constraints.
The market posture here is deliberate. A median of 175 days on market across just 4 closings in the tracking window signals a thin, patient market where sellers hold asking prices and buyers take time to underwrite risk carefully. Neither side should expect a fast transaction. Sellers need realistic pricing anchored to actual closed comps; buyers need thorough due diligence on flood zone, insurance, and structure.
The 60-Second Overview
HARBORAGE market snapshot (as of July 27, 2026): the median sale price is about $1.54M, and a median 175 days on market for closed sales.
HARBORAGE is a community of 173 homes in Key Largo, Monroe County, built between 1948 and 2024 (median 1985), with a median living area of about 1,408 square feet. 28% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Harborage is a small Keys community with 173 homes spanning construction years from 1948 through 2024 — a vintage spread that means building condition, code compliance, and insurance eligibility vary considerably from one property to the next and must be evaluated individually.
Who HARBORAGE is best for.
Best for
- A buyer with a seven-figure budget who has already stress-tested Keys insurance costs and wants a Keys water-access property as a long-term hold.
- A buyer comfortable with an older or mid-vintage home who will conduct thorough inspections, code reviews, and flood-zone analysis before committing.
- A buyer prioritizing location and water proximity over interior square footage — the median living area is modest at 1,408 square feet, and that trade-off is real.
Probably not for
- A buyer who needs a fast, predictable transaction — thin closing volume and a 175-day median DOM make timing highly uncertain.
- A buyer who has not yet priced Monroe County wind and flood insurance or who is relying on mainland coverage assumptions to model carrying costs.
- A buyer expecting to find a large home at the median price point — the square footage and the price reflect Keys scarcity, not interior scale.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 27 of each year, from record-level floridakeys closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($1.54M) IS the median in the snapshot above.
Windows contain 0 to 6 sales each (4 in the current window); every figure carries its sample size, and thin markets swing on single closings. 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 real cost & risk here
Before the list price, the Florida math the portals skip. These are Monroe County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Monroe County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
The HARBORAGE buying strategy.
If we were buying in HARBORAGE 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 HARBORAGE.
What the numbers quietly say
The median year built of 1985 places much of the stock in an era before current Florida building codes hardened around wind and flood standards. With construction dating back to 1948 and running as recently as 2024, the community is genuinely heterogeneous — a newer-built home and a decades-old cottage may sit side by side at comparable asking prices if water orientation is similar. Condition-driven price spreads are wide, and the median alone tells you very little about any individual listing.
The homestead share of roughly 28 percent indicates that nearly three in four properties are not primary residences. That concentration of non-homesteaded ownership shapes the market character: expect a mix of investment-held properties, seasonal use, and vacation rentals alongside a smaller core of full-time occupants. MLS records show no community amenities at this time, so the value proposition rests entirely on the individual lot, structure, and Keys access — not on shared infrastructure.
The location and the amenities are priced into every listing in HARBORAGE. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
A thin market with a 175-day median days-on-market and only a handful of recent closings demands a broker who can source off-market conversations and read the real pricing story behind sparse comps. Momentum's Northeast Florida roots extend to Keys transactions where local insurance, flood-zone underwriting, and Monroe County permitting knowledge are non-negotiable. We will tell you straight when a property's risk profile does not justify its ask — and we will walk you through the due-diligence checklist that separates a sound Keys purchase from an expensive lesson.
HARBORAGE in 15 seconds.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- 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 HARBORAGE 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 HARBORAGE sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in HARBORAGE, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your HARBORAGE home worth?
Get a no-obligation home value based on real comparable sales in HARBORAGE, 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 homes for sale in HARBORAGE on the map →
Frequently Asked Questions
What is the median home price in HARBORAGE?
How long do homes in HARBORAGE take to sell?
How many homes are in HARBORAGE?
What share of HARBORAGE is owner-occupied?
When were the homes in HARBORAGE built?
Do cash buyers compete in HARBORAGE?
Who is the best real estate agent for HARBORAGE?
How do I find a top Key Largo real estate agent who knows HARBORAGE?
Can Momentum Realty connect me with an agent for HARBORAGE?
Should you buy in HARBORAGE?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Community market stats | floridakeys closed sales, 12-month windows ending July 27, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (4 streets, ZIP 33037)) |
| Historical depth | Closed-sale records back to 2008 (53 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 floridakeys 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 floridakeys member average and 8 days faster, and we’ll price yours against live your area comps.
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More Key Largo & The Florida Keys & Monroe County guides
Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of The Florida Keys & Monroe County or the full Neighborhood Finder.