HARRIS OCEAN PARK
Homes for Sale in Key Largo, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Harris Ocean Park's median sale price sits at $850,000 as of late July 2026, and the year-over-year gain of 86.8 percent demands a direct explanation: this is a thin-inventory, water-access market in Monroe County where a handful of closings can move the reported median sharply. Only 5 closings fall inside the measurement window, so treat that percentage as a signal of directional pressure, not a precise trend line.
At a 49-day median days on market and a market heat score of 72, Harris Ocean Park sits in moderately active territory — not a feeding frenzy, but not a buyer's playground either. Sellers who price to the current comp set are finding buyers; overpriced listings are sitting. Buyers need to arrive pre-approved and ready to act, but they are not being steamrolled.
HARRIS OCEAN PARK right now
🟢 Still climbing. The trailing-12-month median ($850K) is up 86.8% from the prior 12 months ($455K) and up 407% since 2012. With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level floridakeys closed sales, 12-month windows ending July 27. Confidence: Low (5 and 6 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 27, 2026 · Live data: floridakeys, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
HARRIS OCEAN PARK market snapshot (as of July 27, 2026): the median sale price is about $850K, and a median 49 days on market for closed sales. The trailing-12-month median is up 87% from the prior 12 months and up 407% since 2012, computed from record-level floridakeys closed sales (5 closings in the current window).
HARRIS OCEAN PARK is a community of 281 homes in Key Largo, Monroe County, built between 1934 and 2024 (median 1982), with a median living area of about 1,340 square feet. 39% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Harris Ocean Park is a 281-home community in Key Largo where the stock spans nearly nine decades of construction — from 1934 through 2024 — and a median build year of 1982 means a substantial portion of the inventory carries the quirks and appeal of mid-century Keys construction alongside more recent rebuilds and upgrades.
Who HARRIS OCEAN PARK is best for.
Best for
- A buyer with the budget to absorb the $850,000 median and the ongoing costs of Keys ownership — flood insurance, wind mitigation, and deferred maintenance on older structures — without financial strain.
- A second-home or seasonal buyer who wants a Monroe County foothold and does not need the property to cash-flow immediately.
- A buyer targeting a mid-century or recently rebuilt Keys home who understands that the wide construction date range means property-by-property due diligence is essential.
Probably not for
- A buyer who needs a large living area — the median is 1,340 square feet and most of the inventory reflects that scale.
- A buyer expecting a quick resale with predictable pricing — with only 5 recent closings driving the market statistics, liquidity risk is real.
- A buyer who cannot tolerate the cost and complexity of Monroe County insurance, permitting, and environmental compliance on top of the purchase price.
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 ($850K) IS the median in the snapshot above, and the move from 2025 ($455K) IS the +86.8% one-year change.
Windows contain 3 to 15 sales each (5 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 HARRIS OCEAN PARK buying strategy.
If we were buying in HARRIS OCEAN PARK 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 HARRIS OCEAN PARK.
What you are actually buying in Harris Ocean Park
The median living area of 1,340 square feet tells you this is not a community of large homes. Keys lots, canal access, and outdoor living space carry the value here, not interior square footage. A buyer comparing cost-per-foot against mainland Florida will get a misleading picture; the premium is for the water orientation and Monroe County scarcity, not the air-conditioned footprint.
With just under 39 percent of parcels carrying a homestead exemption, more than three in five homes are non-primary residences — seasonal, investment, or rental use. That balance shapes the transaction culture: sellers are often remote, decisions can move slowly, and condition varies widely across the inventory. The cumulative price appreciation since 2012 — 407 percent — reflects sustained demand for Keys real estate broadly, but no individual property is guaranteed to replicate that trajectory. Condition, elevation, flood insurance costs, and lot type drive wide spreads within the community.
The location and the amenities are priced into every listing in HARRIS OCEAN PARK. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in HARRIS OCEAN PARK buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (7.7). Basis: Long-Term Appreciation +407% since 2012; Recent Direction +86.8% year-over-year; Owner Commitment 39% owner-occupied; Pricing Power 95.1% sale-to-list. Refreshed with each data update.
Why work with Momentum here
Monroe County transactions carry compliance layers — flood zone determinations, ROGO allocations, septic-to-sewer timelines, and insurance underwriting — that can quietly kill a deal if the broker is not fluent in them. Momentum's team works the Florida Keys feed directly and knows how to read the gap between a list price and a defensible offer in a market where only a handful of comps exist inside any reasonable adjustment range. We will also tell you when a specific property's insurance exposure or condition history makes the price hard to justify — even in a market trending this direction.
HARRIS OCEAN PARK 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 HARRIS OCEAN PARK 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 HARRIS OCEAN PARK sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in HARRIS OCEAN PARK, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your HARRIS OCEAN PARK home worth?
Get a no-obligation home value based on real comparable sales in HARRIS OCEAN PARK, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
What is the median home price in HARRIS OCEAN PARK?
How long do homes in HARRIS OCEAN PARK take to sell?
How many homes are in HARRIS OCEAN PARK?
What share of HARRIS OCEAN PARK is owner-occupied?
When were the homes in HARRIS OCEAN PARK built?
Do cash buyers compete in HARRIS OCEAN PARK?
Have HARRIS OCEAN PARK home prices gone up?
Who is the best real estate agent for HARRIS OCEAN PARK?
How do I find a top Key Largo real estate agent who knows HARRIS OCEAN PARK?
Can Momentum Realty connect me with an agent for HARRIS OCEAN PARK?
Should you buy in HARRIS OCEAN PARK?
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 (11 streets, ZIP 33037/33070)) |
| Historical depth | Closed-sale records back to 2006 (144 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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