Waterfront Homes for Sale in Key Largo, FL

This page tracks every Key Largo listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.

149 waterfront homes are for sale or pending in Key Largo, FL today across 54 communities. The median asking price is $1,699,000, from $279,000 to $11,750,000. Listings in Key Largo without that feature have a median of $749,000. Most listings right now: Ocean Pointe (92.5) (13), Port Largo (100.0) (11), Buccaneer Point (98.0) (9). Updated September 8, 2026 from the MLS.

Key Largo waterfront homes by community

Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.

Community	Waterfront Homes	New build	Median list	From
Ocean Pointe (92.5)	13	0	$664,000	$459,000
Port Largo (100.0)	11	1	$2,950,000	$2,150,000
Buccaneer Point (98.0)	9	4	$3,250,000	$1,650,000
Twin Lakes (103.0)	7	0	$1,850,000	$1,325,000
Buttonwood Bay (96.0)	5	0	$1,249,000	$1,195,000
Cross Key Waterways (103.0)	5	1	$1,197,000	$750,000
Baywood (104.0)	5	0	$315,000	$279,000
Sunrise Point (95.0)	4	1	$5,072,500	$1,900,000
Key Largo Ocn Shores (100.0)	4	0	$2,300,000	$1,745,000
Stillwright Pt (105.5)	4	0	$2,097,000	$1,090,000
Winston Waterway (102.0)	4	2	$1,562,000	$1,100,000
Ocean Isle Estates (106.0)	3	1	$5,250,000	$2,595,000
Key Largo Beach Addition (100.0)	3	1	$3,750,000	$1,699,000
Blue Wtr Trlr Vill (92.5)	3	1	$1,850,000	$670,000
Rock Harbor Est (98.0)	3	0	$1,695,000	$1,399,000
Key Largo North - Marnier's Club (97.0)	3	0	$1,600,000	$1,599,000
Dove Creek (94.0)	3	0	$1,500,000	$1,495,000
Lake Surprise Properties (106.0)	3	1	$1,350,000	$940,000
Moon Bay (104.0)	3	0	$769,000	$599,888
Seaside Sub (94.5)	2	0	$7,047,500	$2,345,000
Hammer Point (93.0)	2	0	$5,674,500	$5,499,000
Harborage (97.5)	2	2	$3,124,000	$1,849,000
Ocean Reef Shores (905.0)	2	0	$1,792,500	$695,000
Raes Cuda Canal (95.0)	2	0	$1,754,500	$1,349,000
Key Largo Yacht Club (100.0)	2	0	$1,742,000	$1,385,000
Wyken-Blynken & Nod (95.5)	2	0	$1,587,000	$879,000
Key Largo Ocn Resorts (94.5)	2	2	$1,375,000	$1,350,000
Bermuda Shores (103.0)	2	0	$1,222,000	$549,000
Key Largo Mob Homesites (104.5)	2	0	$1,207,000	$849,000
Key Largo Trlr Village (101.5)	2	1	$1,174,500	$750,000
Sexton Cove (106.0)	2	0	$1,037,500	$700,000
Kawama Yacht Club (100.0)	2	0	$792,500	$790,000
Rock Harbor Condo (97.5)	2	0	$783,500	$598,000
Tamarind Bay (104.5)	2	0	$779,000	$739,000
Anglers Park (103.0)	1	1	$9,700,000	$9,700,000
Coral Coast Corrected Plat (96.0)	1	0	$7,995,000	$7,995,000
Tavernier Beach (91.5)	1	0	$6,500,000	$6,500,000
Largo Beach (91.0)	1	1	$6,095,000	$6,095,000
Cardsound Point 1 (905.0)	1	0	$5,650,000	$5,650,000
S Creek Village (103.0)	1	0	$5,199,000	$5,199,000
Sunset Point (95.0)	1	0	$4,650,000	$4,650,000
Tavernier Heights (91.5)	1	0	$3,350,000	$3,350,000
Largo Sound Vill (104.0)	1	0	$2,998,000	$2,998,000
Rock Harbor Yacht Ha (97.0)	1	1	$2,950,000	$2,950,000
Rock Harbor Manor (97.0)	1	0	$2,950,000	$2,950,000
Point Pleasant (99.5)	1	0	$2,200,000	$2,200,000
Lime Grove Estates (96.0)	1	0	$1,975,000	$1,975,000
Key Largo Beach (100.0)	1	0	$1,595,000	$1,595,000
The Sanctuary @ Key Largo (100.0)	1	0	$898,000	$898,000
Calusa Campground (101.5)	1	0	$795,000	$795,000
Monroe Park (112.5)	1	1	$735,000	$735,000
Harbor 92 (92.0)	1	0	$640,000	$640,000
Anchor Condominium (93.0)	1	0	$490,000	$490,000
Landings of Largo (98.0)	1	0	$374,000	$374,000

What waterfront ownership really costs

Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.

Questions to ask about any waterfront listing

Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.

Common questions

How many waterfront homes are for sale in Key Largo?

As of September 8, 2026, 149 Key Largo, FL listings whose MLS record reports waterfront are active or pending, across 54 communities. The count updates with every MLS refresh.

What do waterfront homes cost in Key Largo?

The median asking price today is $1,699,000, with listings from $279,000 to $11,750,000. Key Largo listings without that feature have a median of $749,000.

Which Key Largo community has the most waterfront homes for sale?

Ocean Pointe (92.5) has the most right now (13), followed by Port Largo (100.0) (11), Buccaneer Point (98.0) (9), Twin Lakes (103.0) (7).

Is a waterfront home always in a flood zone?

Not always, but most direct-frontage parcels are in a FEMA special flood hazard area, which means a lender will require flood insurance. The elevation certificate and the exact zone for the parcel decide the premium; two homes on the same canal can differ by thousands a year.

Keep exploring Key Largo

Live data: floridakeys, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Key Largo, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.

Listing data provided by Florida Keys MLS, Inc. Information is deemed reliable but is not guaranteed by the MLS to be accurate.