# 20 Center Lane, Key Largo, FL 33037 > **TL;DR:** 4bd/4ba single family, $2,785,000 ($923/sqft), built 2015, 3,018 sqft. > Pool, Waterfront, A/C. Est. $14,894/mo. Listed 15 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $2,785,000 | | Price/sqft | $923 | | Bedrooms | 4 | | Bathrooms | 3 full, 1 half | | Square Feet | 3,018 | | Year Built | 2015 | | Lot Size | 5,663 sqft (0.13 acres) | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 15 | ## Why This Home Stands Out - **Pool** - Patio, Porch, Deck - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $14,082 | | Estimated Insurance | $812 | | **Total** | **$14,894** | ## Key Amenities - Pool - Waterfront - A/C ## Property Highlights - Built in 2015 - 0.13 acre lot - Private pool - Waterfront ## Description ### Agent Description Experience waterfront luxury in Key Largo's Stillwater enclave. This turnkey smart home offers 4 bedrooms, 3 full baths and 1 half bath, complemented by a heated in-ground pool and elevator. Built in 2015 and reimagined in 2021, the residence embodies sophisticated island living. A 55-ft finished dock with direct Blackwater Sound access, an 18,000 lb boat lift and 2 jet ski docks creates an exceptional setting for boating. The paved ground level invites entertaining with a half bath, DC motor fans, ice maker and built-in sound system. Soaring ceilings, floor-to-ceiling impact sliding doors, tinted windows and motorized canal-facing shades enhance the main living level. The open gourmet kitchen features quartzite/marble countertops, stainless steel appliances, designer lighting and a dry bar with wine cooler. A 2nd-floor primary suite, 2 additional bedrooms, 2 full baths and washer/dryer provide comfort and convenience. Occupying the entire 3rd floor, a second primary suite offers a spa-inspired bath, oversized walk-in closet and a private retreat. Expansive balconies on each living floor frame waterfront views, while a rooftop deck sets the scene for sunset dining. Additional features include 2-zone A/C and exterior insect-defense blue lights. Current insurance is $7,000 annually. Located at MM 105, approximately one hour from Miami. Available fully furnished. ## Location - **Address:** 20 Center Lane, Key Largo, FL 33037 - **County:** Monroe - **Neighborhood:** Stillwright Pt (105.5) - **Coordinates:** 25.16016, -80.392428 - **Google Maps:** https://www.google.com/maps?q=25.16016,-80.392428 ## Listing Agent - **Name:** Ricky Kallabat · **License:** 3254287 - **Brokerage:** Keller Williams Capital Realty - **Broker Phone:** 3057817178 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/20-Center-Ln_Key-Largo_FL_33037_M50914-08378?f=listhub&s=FLKEYSMLSFL&m=621707&c=propsimple) ## Photos ![20 Center Lane - Photo 1](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f1268317394r.jpg) ![20 Center Lane - Photo 2](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f3660281256r.jpg) ![20 Center Lane - Photo 3](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f2858198085r.jpg) ![20 Center Lane - Photo 4](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f2511095406r.jpg) ![20 Center Lane - Photo 5](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f716622456r.jpg) ![20 Center Lane - Photo 6](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f2131009153r.jpg) ![20 Center Lane - Photo 7](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f4131427793r.jpg) ![20 Center Lane - Photo 8](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f4106930013r.jpg) ![20 Center Lane - Photo 9](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f2938178673r.jpg) ![20 Center Lane - Photo 10](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f1420724918r.jpg) ![20 Center Lane - Photo 11](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f2899544735r.jpg) ![20 Center Lane - Photo 12](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f153426632r.jpg) ![20 Center Lane - Photo 13](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f3953205388r.jpg) ![20 Center Lane - Photo 14](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f3604376884r.jpg) ![20 Center Lane - Photo 15](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f2177846494r.jpg) ![20 Center Lane - Photo 16](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f932304561r.jpg) ![20 Center Lane - Photo 17](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f2239115348r.jpg) ![20 Center Lane - Photo 18](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f992107721r.jpg) ![20 Center Lane - Photo 19](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f326944426r.jpg) ![20 Center Lane - Photo 20](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f3853191598r.jpg) ![20 Center Lane - Photo 21](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f2761389618r.jpg) ![20 Center Lane - Photo 22](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f156647680r.jpg) ![20 Center Lane - Photo 23](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f3690666931r.jpg) ![20 Center Lane - Photo 24](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f4078159121r.jpg) ![20 Center Lane - Photo 25](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f2898697251r.jpg) ![20 Center Lane - Photo 26](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f1836618416r.jpg) ![20 Center Lane - Photo 27](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f3877678550r.jpg) ![20 Center Lane - Photo 28](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f3435054053r.jpg) ![20 Center Lane - Photo 29](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f3278264283r.jpg) ![20 Center Lane - Photo 30](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f1034752208r.jpg) ![20 Center Lane - Photo 31](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f4029849203r.jpg) ![20 Center Lane - Photo 32](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f1017785115r.jpg) ![20 Center Lane - Photo 33](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f3162515518r.jpg) ![20 Center Lane - Photo 34](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f1345463340r.jpg) ![20 Center Lane - Photo 35](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f2756488144r.jpg) ![20 Center Lane - Photo 36](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f413692590r.jpg) ![20 Center Lane - Photo 37](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f1025496974r.jpg) ![20 Center Lane - Photo 38](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f153063434r.jpg) ![20 Center Lane - Photo 39](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f821467729r.jpg) ![20 Center Lane - Photo 40](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f2342444832r.jpg) ![20 Center Lane - Photo 41](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f2334438957r.jpg) ![20 Center Lane - Photo 42](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f1451800541r.jpg) ![20 Center Lane - Photo 43](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f2855736570r.jpg) ![20 Center Lane - Photo 44](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f1026390160r.jpg) ![20 Center Lane - Photo 45](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f2779927442r.jpg) ![20 Center Lane - Photo 46](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f2636081429r.jpg) ![20 Center Lane - Photo 47](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f1159666084r.jpg) ![20 Center Lane - Photo 48](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f2570708316r.jpg) ![20 Center Lane - Photo 49](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f563986056r.jpg) ![20 Center Lane - Photo 50](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f3925076899r.jpg) ![20 Center Lane - Photo 51](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f2811831722r.jpg) ![20 Center Lane - Photo 52](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f4278538565r.jpg) ![20 Center Lane - Photo 53](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f3260864805r.jpg) ![20 Center Lane - Photo 54](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f1982770378r.jpg) ![20 Center Lane - Photo 55](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f3765153067r.jpg) ![20 Center Lane - Photo 56](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f2531271637r.jpg) ![20 Center Lane - Photo 57](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f2784923486r.jpg) ![20 Center Lane - Photo 58](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f3814317485r.jpg) ![20 Center Lane - Photo 59](http://lh.rdcpix.com/40970b68a002e918db3f533a2bbee2b1l-f1303874941r.jpg) --- **MLS#:** 621707 | **Updated:** 2026-10-23 **Source:** listhub *Copyright © 2026 Florida Keys Board of REALTORS®. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/20-center-lane-key-largo-fl-33037-051337475c9b451ea28e5a91eaae53af) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/20-center-lane-key-largo-fl-33037-051337475c9b451ea28e5a91eaae53af#listing", "url": "https://www.propertysimple.ai/listing/20-center-lane-key-largo-fl-33037-051337475c9b451ea28e5a91eaae53af", "name": "20 Center Lane, Key Largo, FL 33037", "description": "Experience waterfront luxury in Key Largo's Stillwater enclave. This turnkey smart home offers 4 bedrooms, 3 full baths and 1 half bath, complemented by a heated in-ground pool and elevator. Built in 2015 and reimagined in 2021, the residence embodies sophisticated island living. A 55-ft finished dock with direct Blackwater Sound access, an 18,000 lb boat lift and 2 jet ski docks creates an exceptional setting for boating. The paved ground level invites entertaining with a half bath, DC motor fans, ice maker and built-in sound system. Soaring ceilings, floor-to-ceiling impact sliding doors, tinted windows and motorized canal-facing shades enhance the main living level. The open gourmet kitchen features quartzite/marble countertops, stainless steel appliances, designer lighting and a dry bar with wine cooler. A 2nd-floor primary suite, 2 additional bedrooms, 2 full baths and washer/dryer provide comfort and convenience. Occupying the entire 3rd floor, a second primary suite offers a spa-inspired bath, oversized walk-in closet and a private retreat. Expansive balconies on each living floor frame waterfront views, while a rooftop deck sets the scene for sunset dining. Additional features include 2-zone A/C and exterior insect-defense blue lights. 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