S CREEK VILLAGE
Homes for Sale in Key Largo, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
S Creek Village sits in Key Largo, Monroe County — the northern gateway to the Florida Keys — and its median sale price of $680,000 reflects what waterfront-adjacent Keys real estate consistently commands. The stock spans construction dating from 1952 through 2024, with a median build year of 1981, so condition and renovation status drive wide price variation around that median; buyers should not assume the median tells the whole story of any individual listing.
The market heat score of 38 signals a buyer-leaning environment right now, and a year-over-year price shift of -15% confirms that seller leverage has pulled back meaningfully from recent peaks. At a median of 23 days on market, homes are not sitting indefinitely, but buyers do have more room to negotiate than they did at the height of Keys demand. The long arc — a 204% gain since 2012 — underscores that this is not a market in structural decline; it is correcting off an extreme run.
S CREEK VILLAGE right now
🔴 Off the recent peak. The trailing-12-month median ($680K) is down 15.0% from the prior 12 months ($800K) and up 204% since 2012. With about 6 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 (8 and 5 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
S CREEK VILLAGE market snapshot (as of July 27, 2026): the median sale price is about $680K, and a median 23 days on market for closed sales. The trailing-12-month median is down 15% from the prior 12 months and up 204% since 2012, computed from record-level floridakeys closed sales (8 closings in the current window).
S CREEK VILLAGE is a community of 208 homes in Key Largo, Monroe County, built between 1952 and 2024 (median 1981.0), with a median living area of about 1,274 square feet. 44% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
S Creek Village is a modestly sized community of 208 homes in Key Largo, with roughly 44% carrying homestead exemptions — a detail that signals a meaningful share of non-primary or investment-oriented ownership and shapes how quickly listings tend to move when owners decide to sell.
Who S CREEK VILLAGE is best for.
Best for
- A buyer targeting a Keys property as a second home or rental who has already stress-tested flood and wind insurance costs at this price point.
- A cash or strong-equity buyer who can move decisively within the 23-day median window without financing contingency delays.
- A long-horizon buyer comfortable holding through market cycles, given the community's demonstrated long-term price appreciation since 2012.
Probably not for
- A buyer who needs to sell within a short timeframe — low annual turnover makes exit timing unpredictable.
- A buyer on a tight budget above the median who cannot absorb the cost of bringing older construction up to current wind and flood standards.
- A buyer expecting resort-style community amenities — none are identified in current MLS listings, and this community offers no on-site infrastructure to justify a premium on that basis.
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 ($680K) IS the median in the snapshot above, and the move from 2025 ($800K) IS the -15.0% one-year change.
Windows contain 3 to 14 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.
The S CREEK VILLAGE buying strategy.
If we were buying in S CREEK VILLAGE 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 S CREEK VILLAGE.
What the numbers actually tell a serious buyer
The median living area of roughly 1,274 square feet is compact by mainland Florida standards, which is typical of Keys construction where lot constraints and elevation requirements have always limited footprints. A median build year of 1981 means a substantial portion of the inventory predates modern hurricane codes; buyers need to budget for the possibility of deferred maintenance, flood insurance reclassification, or structural upgrades depending on when a specific home was built and last renovated.
With 8 recorded closings in the tracked window and a community of 208 homes, turnover is low — this is not a high-velocity resale market. That illiquidity cuts both ways: it limits comparable sales data for precise valuation, and it means a seller pricing aggressively above the median faces a patient, selective buyer pool. MLS listings show no identified community amenities, so value here rests almost entirely on the individual property and its proximity to Keys waterways and US-1 access.
The location and the amenities are priced into every listing in S CREEK VILLAGE. 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 S CREEK VILLAGE 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 (5.3). Basis: Long-Term Appreciation +204% since 2012; Recent Direction -15.0% year-over-year; Owner Commitment 44% owner-occupied; Pricing Power 91.6% sale-to-list. Refreshed with each data update.
Why work with Momentum here
Monroe County real estate operates under a distinct regulatory and insurance environment that differs substantially from Northeast Florida norms — flood zone classifications, ROGO permit constraints, and Keys-specific title issues require a brokerage that knows how to read a Keys transaction, not just a standard residential one. Momentum brings the analytical discipline to price against a thin comparable set honestly, and the candor to tell a buyer when a specific property's condition or insurance exposure makes the median price irrelevant to their decision.
S CREEK VILLAGE 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 S CREEK VILLAGE 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 S CREEK VILLAGE sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in S CREEK VILLAGE, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your S CREEK VILLAGE home worth?
Get a no-obligation home value based on real comparable sales in S CREEK VILLAGE, 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 S CREEK VILLAGE on the map →
Frequently Asked Questions
What is the median home price in S CREEK VILLAGE?
How long do homes in S CREEK VILLAGE take to sell?
How many homes are in S CREEK VILLAGE?
What share of S CREEK VILLAGE is owner-occupied?
When were the homes in S CREEK VILLAGE built?
Do cash buyers compete in S CREEK VILLAGE?
Have S CREEK VILLAGE home prices gone up?
Who is the best real estate agent for S CREEK VILLAGE?
How do I find a top Key Largo real estate agent who knows S CREEK VILLAGE?
Can Momentum Realty connect me with an agent for S CREEK VILLAGE?
Should you buy in S CREEK VILLAGE?
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 (5 streets, ZIP 33037)) |
| Historical depth | Closed-sale records back to 2006 (107 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.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
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.