# 21 Sail Point Lane, Key Largo, FL 33037 > **TL;DR:** 4bd/4ba single family, $10,395,000, built 1972. > A/C. Est. $55,595/mo. Listed 146 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $10,395,000 | | Bedrooms | 4 | | Bathrooms | 4 full | | Year Built | 1972 | | Lot Size | 21,789 sqft (0.50 acres) | | Stories | 1 | | Property Type | Single Family (Other) | | Status | Pending | | Days on Market | 146 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $52,563 | | Estimated Insurance | $3,032 | | **Total** | **$55,595** | ## Key Amenities - A/C ## Property Highlights - Built in 1972 - 0.50 acre lot ## Description ### Agent Description Set on one of Ocean Reef's most private and desirable waterfront streets, 21 Sail Point Lane offers a rare combination of location, privacy, and easy single-level living and a 112ft seawall. This 4-bedroom, 4-bath residence with a den spans 4,151 square feet on a half-acre lot and sits along the edge of Card Sound in the exclusive Ocean Reef Club. Featuring a screened pool area, and views of Card Sound from the living room create the kind of waterfront setting that is hard to find and even harder to duplicate. Designed for comfort and convenience, the home features direct garage access into the house, one-story handicap accessible living, and a layout that keeps most rooms connected to the water view and outdoor living spaces. Completely renovated in 2011, the residence blends updated finishes and functionality with a relaxed waterfront setting, while a professional landscape renovation completed in 2023 enhances both the home's curb appeal and its sense of privacy. Buffered landscaping on both sides and a quiet cul-de-sac location off Card Sound Road further elevate the secluded feel of the property. Furnished and offered in one of the Florida Keys' premier communities, this is a standout opportunity in Ocean Reef Club. ## Location - **Address:** 21 Sail Point Lane, Key Largo, FL 33037 - **County:** Monroe - **Neighborhood:** Not Condo or Condo Outside MLS Area - **Coordinates:** 25.317486, -80.2893834 - **Google Maps:** https://www.google.com/maps?q=25.317486,-80.2893834 ## Virtual Tour & Media - **Video Tour:** tour.usamls.net/21-Sail-Point-Lane-Key-Largo-FL-33037/unbranded ## Listing Agent - **Name:** Roberta Watson - **Brokerage:** Water Front Fine Homes at Ocean Reef - **Broker Phone:** 3053670999 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/21-Sail-Point-Ln_Key-Largo_FL_33037_M69540-33187?f=listhub&s=CLSORFL&m=5027&c=propsimple) ## Photos ![21 Sail Point Lane - Photo 1](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f3884729355r.jpg) ![21 Sail Point Lane - Photo 2](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f239636666r.jpg) ![21 Sail Point Lane - Photo 3](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f3324382954r.jpg) ![21 Sail Point Lane - Photo 4](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f64190716r.jpg) ![21 Sail Point Lane - Photo 5](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f1268209301r.jpg) ![21 Sail Point Lane - Photo 6](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f3300436172r.jpg) ![21 Sail Point Lane - Photo 7](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f3713168599r.jpg) ![21 Sail Point Lane - Photo 8](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f3152225791r.jpg) ![21 Sail Point Lane - Photo 9](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f3965967074r.jpg) ![21 Sail Point Lane - Photo 10](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f1256172757r.jpg) ![21 Sail Point Lane - Photo 11](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f3274954092r.jpg) ![21 Sail Point Lane - Photo 12](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f90823471r.jpg) ![21 Sail Point Lane - Photo 13](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f510056992r.jpg) ![21 Sail Point Lane - Photo 14](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f3658091269r.jpg) ![21 Sail Point Lane - Photo 15](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f3011996934r.jpg) ![21 Sail Point Lane - Photo 16](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f643360270r.jpg) ![21 Sail Point Lane - Photo 17](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f233676919r.jpg) ![21 Sail Point Lane - Photo 18](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f823608447r.jpg) ![21 Sail Point Lane - Photo 19](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f2290557903r.jpg) ![21 Sail Point Lane - Photo 20](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f1205153274r.jpg) ![21 Sail Point Lane - Photo 21](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f910850391r.jpg) ![21 Sail Point Lane - Photo 22](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f1308614735r.jpg) ![21 Sail Point Lane - Photo 23](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f2115374192r.jpg) ![21 Sail Point Lane - Photo 24](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f706980071r.jpg) ![21 Sail Point Lane - Photo 25](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f1362884807r.jpg) ![21 Sail Point Lane - Photo 26](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f2745136087r.jpg) ![21 Sail Point Lane - Photo 27](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f4145639286r.jpg) ![21 Sail Point Lane - Photo 28](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f1133170213r.jpg) ![21 Sail Point Lane - Photo 29](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f54515903r.jpg) ![21 Sail Point Lane - Photo 30](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f2914171320r.jpg) ![21 Sail Point Lane - Photo 31](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f1162245909r.jpg) ![21 Sail Point Lane - Photo 32](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f101716534r.jpg) ![21 Sail Point Lane - Photo 33](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f2182263109r.jpg) ![21 Sail Point Lane - Photo 34](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f3451907373r.jpg) ![21 Sail Point Lane - Photo 35](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f2127501163r.jpg) ![21 Sail Point Lane - Photo 36](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f2729164803r.jpg) ![21 Sail Point Lane - Photo 37](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f3929701374r.jpg) ![21 Sail Point Lane - Photo 38](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f3416407255r.jpg) ![21 Sail Point Lane - Photo 39](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f731475674r.jpg) ![21 Sail Point Lane - Photo 40](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f575821799r.jpg) ![21 Sail Point Lane - Photo 41](http://lh.rdcpix.com/9aa99a9227a525373803224ab0b8d892l-f3678265992r.jpg) --- **MLS#:** 5027 | **Updated:** 2026-10-27 **Source:** listhub *Copyright © 2026 Central Listing Service at Ocean Reef. 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/21-sail-point-lane-key-largo-fl-33037-eb39d7d4d3e7410b8995bdd438161a30) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/21-sail-point-lane-key-largo-fl-33037-eb39d7d4d3e7410b8995bdd438161a30#listing", "url": "https://www.propertysimple.ai/listing/21-sail-point-lane-key-largo-fl-33037-eb39d7d4d3e7410b8995bdd438161a30", "name": "21 Sail Point Lane, Key Largo, FL 33037", "description": "Set on one of Ocean Reef's most private and desirable waterfront streets, 21 Sail Point Lane offers a rare combination of location, privacy, and easy single-level living and a 112ft seawall. 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