Cross Key Waterways (103.0)
Homes for Sale in Key Largo, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via Florida Keys MLS
As of September 2026, Cross Key Waterways (103.0) in Key Largo, FL has 1177 homes for sale and 226 pending, asking from $239,000 to $40,000,000 (median $1,125,000). Over the 12 months ending 2026-08-23, 10 recorded sales closed at a median of $1,275,000, a median 70 days on market, sellers accepting 89% of original asking (-23% versus the prior year). Homes listed or recently sold were built 1900–2026 with 61 new construction; 453 of 1403 report an HOA (median $615/mo); 1182 of the 1297 geocoded homes sit in a FEMA special flood hazard zone (median elevation 4 ft). At the median price and Monroe County's FY2025-26 rate of 8.816 mills, annual property tax runs about $11,240 ($10,890 with the full homestead exemption).
Homes For Sale Right Now in Cross Key Waterways (103.0)
Live MLS inventory for Cross Key Waterways (103.0). Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 125 daysTop listing
Active · 561 days
Active · 113 days
Active · 237 days
Active · 78 days
Active · 125 days
Active · 109 days
Active · 269 days
Active · 216 days
Active · 283 days
Active · 436 days
Active · 77 days
Active · 29 days
Active · 197 daysActive and pending Cross Key Waterways (103.0) listings as of 2026-09-10, priced high to low. Listing data provided by Florida Keys MLS, Inc. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Tap any home to ask about it.
Cross Key Waterways (103.0) right now
🔴 Off the recent peak. The trailing-12-month median ($1.28M) is down 22.7% from the prior 12 months ($1.65M) and up 347% 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 Florida Keys MLS closed sales, 12-month windows ending August 23. Confidence: Medium (10 and 7 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated August 23, 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
Cross Key Waterways (103.0) market snapshot (as of August 23, 2026): the median sale price is about $1.28M, and a median 70 days on market for closed sales. The trailing-12-month median is down 23% from the prior 12 months and up 347% since 2012, computed from record-level Florida Keys MLS closed sales (10 closings in the current window).
The setting & the homes.
Aerial and on-site photos of Cross Key Waterways (103.0). Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Cross Key Waterways (103.0)
Cross Key Waterways (103.0)
Cross Key Waterways (103.0)
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Cross Key Waterways (103.0)
Cross Key Waterways (103.0)
Cross Key Waterways (103.0)Photos from Florida Keys MLS listings in Cross Key Waterways (103.0); content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 23 of each year, from record-level Florida Keys MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($1.28M) IS the median in the snapshot above, and the move from 2025 ($1.65M) IS the -22.7% one-year change.
Windows contain 7 to 18 sales each (10 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.
Sugarloaf Shores (17.0) Market Scorecard
Sugarloaf Shores (17.0) is currently a thin data market. Limited supply, a median asking price of $1,129,000, and homes go under contract in about 121 days.
Typical home value in the 33040 ZIP is $957,004, about 142.7% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Cross Key Waterways (103.0) on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Florida Keys MLS. Map data © OpenStreetMap, tiles © CARTO.
The Cross Key Waterways (103.0) buying strategy.
If we were buying in Cross Key Waterways (103.0) 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 Cross Key Waterways (103.0).
A closer look at the Cross Key Waterways (103.0) market
Homes in Cross Key Waterways (103.0) trade around a median of $1.28M, where condition and lot do more to set the final number than the asking price does.
The trailing-12-month median down 23% year over year. Homes that do trade take a median 70 days on market, useful leverage on any listing that has lingered.
The location and the amenities are priced into every listing in Cross Key Waterways (103.0). 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 Cross Key Waterways (103.0) 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 (4.3). Basis: Long-Term Appreciation +347% since 2012; Recent Direction -22.7% year-over-year; Pricing Power 88.7% 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 Cross Key Waterways (103.0) 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 Cross Key Waterways (103.0) sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cross Key Waterways (103.0), the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cross Key Waterways (103.0) home worth?
Get a no-obligation home value based on real comparable sales in Cross Key Waterways (103.0), 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 →
Recently off market in Cross Key Waterways (103.0)
Homes in Cross Key Waterways (103.0) that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 256 on record.
- 1 Snipe Road · off market
- 1001 W Ocean Drive #2-201 · off market
- 101 11th Street Ocean #35 · off market
- 101 Oleander Circle · off market
- 101 San Juan Street · off market
- 1010 Olivia Street · off market
- 1016 Varela Street #Rear · off market
- 1017 Thomas Street · off market
Frequently Asked Questions
What is the median home price in Cross Key Waterways (103.0)?
How long do homes in Cross Key Waterways (103.0) take to sell?
Have Cross Key Waterways (103.0) home prices gone up?
Who is the best real estate agent for Cross Key Waterways (103.0)?
How do I find a top Key Largo real estate agent who knows Cross Key Waterways (103.0)?
Can Momentum Realty connect me with an agent for Cross Key Waterways (103.0)?
Data sources & freshness
| Live listings | Florida Keys MLS, refreshed twice daily (last: August 23, 2026) |
| Community market stats | Florida Keys MLS closed sales, 12-month windows ending August 23, 2026 |
| Under-contract shares | Florida Keys MLS records, as of 2026-08-18 |
| Historical depth | Closed-sale records back to 2002 (230 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 Cross Key Waterways (103.0) fits the bigger picture — live prices, inventory, and Momentum Scores: