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.
143 waterfront homes are for sale or pending in Key Largo, FL today across 55 communities. The median asking price is $1,695,000, from $279,000 to $11,750,000. Listings in Key Largo without that feature have a median of $699,000. Most listings right now: Ocean Pointe (92.5) (14), Port Largo (100.0) (10), Buccaneer Point (98.0) (9). Updated September 27, 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) | 14 | 0 | $662,000 | $459,000 |
| Port Largo (100.0) | 10 | 1 | $2,750,000 | $2,150,000 |
| Buccaneer Point (98.0) | 9 | 4 | $3,250,000 | $1,650,000 |
| Cross Key Waterways (103.0) | 6 | 1 | $1,343,500 | $750,000 |
| Baywood (104.0) | 6 | 0 | $320,000 | $279,000 |
| Twin Lakes (103.0) | 5 | 0 | $1,850,000 | $1,200,000 |
| Buttonwood Bay (96.0) | 5 | 0 | $1,250,000 | $1,195,000 |
| Ocean Isle Estates (106.0) | 4 | 0 | $3,900,000 | $2,595,000 |
| 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 |
| Key Largo Beach Addition (100.0) | 3 | 1 | $3,750,000 | $1,699,000 |
| Sunrise Point (95.0) | 3 | 0 | $1,900,000 | $1,799,000 |
| 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 |
| Key Largo Trlr Village (101.5) | 3 | 1 | $750,000 | $649,000 |
| Moon Bay (104.0) | 3 | 0 | $747,000 | $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 | $3,024,000 | $1,849,000 |
| Lake Surprise Properties (106.0) | 2 | 1 | $2,419,999 | $940,000 |
| Raes Cuda Canal (95.0) | 2 | 0 | $1,754,500 | $1,349,000 |
| Winston Waterway (102.0) | 2 | 1 | $1,725,000 | $1,100,000 |
| Wyken-Blynken & Nod (95.5) | 2 | 0 | $1,587,000 | $879,000 |
| Blue Wtr Trlr Vill (92.5) | 2 | 1 | $1,327,500 | $655,000 |
| Bermuda Shores (103.0) | 2 | 0 | $1,222,000 | $549,000 |
| Key Largo Mob Homesites (104.5) | 2 | 0 | $1,207,000 | $849,000 |
| 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 | $8,490,000 | $8,490,000 |
| 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 | $5,995,000 | $5,995,000 |
| Cardsound Point 1 (905.0) | 1 | 0 | $5,650,000 | $5,650,000 |
| 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 |
| Ocean Reef Shores (905.0) | 1 | 0 | $2,890,000 | $2,890,000 |
| Point Pleasant (99.5) | 1 | 0 | $2,200,000 | $2,200,000 |
| Key Largo Yacht Club (100.0) | 1 | 0 | $2,099,000 | $2,099,000 |
| Lime Grove Estates (96.0) | 1 | 0 | $1,975,000 | $1,975,000 |
| Key Largo Beach (100.0) | 1 | 0 | $1,499,000 | $1,499,000 |
| Key Largo Ocn Resorts (94.5) | 1 | 1 | $1,350,000 | $1,350,000 |
| Buttonwood Shores (100.0) | 1 | 0 | $985,000 | $985,000 |
| Kawama (100.0) | 1 | 0 | $899,900 | $899,900 |
| The Sanctuary @ Key Largo (100.0) | 1 | 0 | $898,000 | $898,000 |
| Kawama Yacht Club (100.0) | 1 | 0 | $795,000 | $795,000 |
| Calusa Campground (101.5) | 1 | 0 | $745,000 | $745,000 |
| Monroe Park (112.5) | 1 | 1 | $735,000 | $735,000 |
| Sexton Cove (106.0) | 1 | 0 | $700,000 | $700,000 |
| Harbor 92 (92.0) | 1 | 0 | $640,000 | $640,000 |
| Anchor Condominium (93.0) | 1 | 0 | $485,000 | $485,000 |
| Landings of Largo (98.0) | 1 | 0 | $369,500 | $369,500 |
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?
What do waterfront homes cost in Key Largo?
Which Key Largo community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
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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.