Pirates Cove
Homes for Sale in Key Largo, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Over the 12 months ending 2026-09-12, 8 recorded sales closed at a median of $1,025,025, a median 154 days on market, sellers accepting 93% of original asking (+44% versus the prior year). At the median price and Monroe County's FY2025-26 rate of 8.816 mills, annual property tax runs about $9,040 ($8,690 with the full homestead exemption).
Pirates Cove right now
🟢 Still climbing. The trailing-12-month median ($1.03M) is up 43.9% from the prior 12 months ($712K) and up 265% since 2012. With about 8 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 Florida Keys MLS closed sales, 12-month windows ending September 12. Confidence: Low (8 and 4 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated September 12, 2026 · Live data: Florida Keys MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Pirates Cove market snapshot (as of September 12, 2026): the median sale price is about $1.03M, and a median 155 days on market for closed sales. The trailing-12-month median is up 44% from the prior 12 months and up 265% since 2012, computed from record-level Florida Keys MLS closed sales (8 closings in the current window).
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level Florida Keys MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($1.03M) IS the median in the snapshot above, and the move from 2025 ($712K) IS the +43.9% one-year change.
Windows contain 4 to 12 sales each (8 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.
15% of homes for sale in ZIP 33036 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-08).
The Pirates Cove buying strategy.
If we were buying in Pirates Cove 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 Pirates Cove.
A closer look at the Pirates Cove market
Homes in Pirates Cove trade around a median of $1.03M, where condition and lot do more to set the final number than the asking price does.
The trailing-12-month median up 44% year over year. Homes that do trade take a median 155 days on market, useful leverage on any listing that has lingered.
The location and the amenities are priced into every listing in Pirates Cove. 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 Pirates Cove 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 3 factors (8.5). Basis: Long-Term Appreciation +265% since 2012; Recent Direction +43.9% year-over-year; Pricing Power 93.0% sale-to-list. Refreshed with each data update.
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 Pirates Cove 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 Pirates Cove sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Pirates Cove, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Pirates Cove home worth?
Get a no-obligation home value based on real comparable sales in Pirates Cove, 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 Pirates Cove?
How long do homes in Pirates Cove take to sell?
Have Pirates Cove home prices gone up?
Who is the best real estate agent for Pirates Cove?
How do I find a top Key Largo real estate agent who knows Pirates Cove?
Can Momentum Realty connect me with an agent for Pirates Cove?
Data sources & freshness
| Community market stats | Florida Keys MLS closed sales, 12-month windows ending September 12, 2026 |
| Under-contract shares | Florida Keys MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2005 (136 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 PIRATES COVE fits the bigger picture — live prices, inventory, and Momentum Scores: