Lake Surprise Estates
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 LAKE SURPRISE ESTATES 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 |
|---|---|
| Homes in the community | 351 (FL DOR 2025 assessment roll) |
| Years built | 1947–2024 (median 1988.0) |
| Typical living area | 1,260 sq ft (median) |
| Owner-occupied (homestead) share | 28% |
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, “LAKE SURPRISE ESTATES key facts,” movewithmomentum.com/neighborhoods/lake-surprise-estates, data as of September 20, 2026.
The market around Lake Surprise Estates
Lake Surprise Estates 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 Lake Surprise Estates specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in LAKE SURPRISE ESTATES, 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 Lake Surprise Estates buying strategy.
If we were buying in Lake Surprise Estates 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 Lake Surprise Estates.
A closer look at the Lake Surprise Estates market
The housing stock is 351 homes built between 1947 and 2024, and 28% 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 Lake Surprise Estates. 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 Lake Surprise Estates 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 Lake Surprise Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Lake Surprise Estates, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Lake Surprise Estates home worth?
Get a no-obligation home value based on real comparable sales in Lake Surprise Estates, 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 Lake Surprise Estates?
What share of Lake Surprise Estates is owner-occupied?
When were the homes in Lake Surprise Estates built?
Who is the best real estate agent for Lake Surprise Estates?
How do I find a top Key Largo real estate agent who knows Lake Surprise Estates?
Can Momentum Realty connect me with an agent for Lake Surprise Estates?
Where is Lake Surprise Estates, and what county is it in?
Data sources & freshness
| Housing stock & ownership | Florida DOR assessment roll (street-list match (11 streets, ZIP 33037)) |
| Under-contract shares | Florida Keys MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2001 (134 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.
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See how LAKE SURPRISE ESTATES fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Lake Surprise Estates with Momentum Realty’s local guides.