About This Home

This 4-bedroom, 4-bathroom single family at 862 Cardinal Lane in Key Largo, FL is listed for $1,999,000 ($859 per sqft). Built in 2025, the home offers 2,326 sqft of living space on a 0.15 acres lot.

Key Features

  • Built in 2025
  • 0.15 acre lot
  • Private pool
  • Waterfront

Property Details

4 full
2025

Amenities

PoolSolarWaterfrontA/C
Listing Description

OWNER FINANCING AVAILABLE -- 30% DOWN Brand-New Oceanside Waterfront Home with Pool & Dock in Key Largo Discover a beautifully crafted new construction home designed for effortless waterfront living in Key Largo. Situated directly on the ocean side, this impressive 4-bedroom, 4-bath custom residence pairs contemporary finishes with an exceptional outdoor setup made for boating, entertaining, and enjoying the Florida Keys lifestyle.

Your Private Outdoor Retreat: The backyard is designed to be enjoyed year-round, centered around a heated and chilled saltwater pool featuring: 5'-6'' depth, Massage jets, Beach shelf with umbrella holder, Five LED pool lights' and a Safety net. Just beyond the pool, a substantial 15' x 40' private dock provides an ideal launch point for days on the water.

The dock includes durable polyurethane synthetic decking, a power pedestal with LED lighting, water hookup, and both 30-amp and 120V electrical receptacles. Outdoor Entertaining, Elevated: The covered entertaining area makes outdoor gatherings easy and comfortable.

The built-in outdoor kitchen is equipped with an outdoor-rated refrigerator/freezer, 32'' BULL BBQ, and sink, creating the perfect setting for everything from casual lunches to sunset dinners after a day on the boat. Contemporary Interior with Premium Appointments: Inside, the home continues the modern coastal aesthetic with carefully selected finishes and high-end features.

Chef-inspired kitchen includes a 42'' GE Monogram counter-depth refrigerator, GE appliances, 36'' stovetop, tower oven/microwave combination, and wine cooler. Four beautifully appointed bathrooms feature smart electric toilets, rain and handheld shower systems, body jets, and frameless barn-style glass shower doors.

Architectural details include soaring ceilings, 8' custom interior doors with smoked-glass inlays, and contemporary tile flooring throughout. Everyday convenience comes from dual inline water heaters and two Bosch stackable washer/drye Additional Property Features: Standing-seam 16" panel metal roof, Brick driveway with solar lighting, Spacious cov

ered outdoor living area, Quick access to the Atlantic, Brand-new construction and Move-in ready Whether you're envisioning a private Keys getaway, a full-time waterfront residence, or a place where boating and outdoor living are part of everyday life, this newly completed Key Largo home offers an exceptional combination of modern design, private dockage and access to the Florida Keys lifestyle. Owner financing available with 30% down.

Monthly Cost Estimate

$10,691/mo

20% down · 6.5% · 30 years

Principal$1,446
Interest$8,662
Insurance$583

Estimates only. Actual payments may vary.

Location

862 Cardinal Lane

Key Largo, FL 33037

Winston Waterway (102.0)

Features & Amenities

Interior Features

Built-in CabinetsWalk-in Closet(s)

Exterior Features

LightingOutdoor KitchenStorage

Property Details

Flooring

Tile

Construction

CBS

Pool Features

Pool

Outdoor Features

Porch

Parking

Open

Cooling

Central Air

Appliances

WasherDryerDishwasherRefrigeratorRangeMicrowaveFreezerWine CoolerStainless Steel Appliance(s)

Questions & Answers

This 4-bedroom, 4-bathroom single family at 862 Cardinal Lane is listed at $1,999,000 ($859/sqft). The estimated monthly payment is $10,691 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 2025, 0.15 acre lot, Private pool, Waterfront. Interior Features: Built-in Cabinets, Walk-in Closet(s). Exterior Features: Lighting, Outdoor Kitchen, Storage.

This property is listed by JOY C MARTIN.

JM

JOY C MARTIN

License 0524075

Agent at American Caribbean Real Estate

Listed by American Caribbean Real Estate · Broker phone: (305) 451-4078 · View on Broker Site · Broker website

MLS# 621495· Source: Florida Keys Board of REALTORS®· 25 days on PropertySimple

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.

862 Cardinal Lane, Key Largo, FL 33037

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