# 862 Cardinal Lane, Key Largo, FL 33037 > **TL;DR:** 4bd/4ba single family, $1,999,000 ($859/sqft), built 2025, 2,326 sqft. > Pool, Solar, Waterfront, A/C. Est. $10,691/mo. Listed 27 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $1,999,000 | | Price/sqft | $859 | | Bedrooms | 4 | | Bathrooms | 4 full | | Square Feet | 2,326 | | Year Built | 2025 | | Lot Size | 6,534 sqft (0.15 acres) | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 27 | ## Why This Home Stands Out - **Solar Panels** - Solar panels listed - **Pool** - Porch - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $10,108 | | Estimated Insurance | $583 | | **Total** | **$10,691** | ## Key Amenities - Pool - Solar - Waterfront - A/C ## Property Highlights - Built in 2025 - 0.15 acre lot - Private pool - Waterfront ## Description ### Agent 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 covered 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. ## Location - **Address:** 862 Cardinal Lane, Key Largo, FL 33037 - **County:** Monroe - **Neighborhood:** Winston Waterway (102.0) - **Coordinates:** 25.119959, -80.409933 - **Google Maps:** https://www.google.com/maps?q=25.119959,-80.409933 ## Listing Agent - **Name:** JOY C MARTIN · **License:** 0524075 - **Brokerage:** American Caribbean Real Estate - **Broker Phone:** (305) 451-4078 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/862-Cardinal-Ln_Key-Largo_FL_33037_M69402-82054?f=listhub&s=FLKEYSMLSFL&m=621495&c=propsimple) ## Photos ![862 Cardinal Lane - Photo 1](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f3441942701r.jpg) ![862 Cardinal Lane - Photo 2](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f1769546806r.jpg) ![862 Cardinal Lane - Photo 3](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f4145537387r.jpg) ![862 Cardinal Lane - Photo 4](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f110103034r.jpg) ![862 Cardinal Lane - Photo 5](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f3533360401r.jpg) ![862 Cardinal Lane - Photo 6](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f2199437919r.jpg) ![862 Cardinal Lane - Photo 7](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f2548776912r.jpg) ![862 Cardinal Lane - Photo 8](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f2240664689r.jpg) ![862 Cardinal Lane - Photo 9](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f3132173900r.jpg) ![862 Cardinal Lane - Photo 10](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f2041175482r.jpg) ![862 Cardinal Lane - Photo 11](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f2588772204r.jpg) ![862 Cardinal Lane - Photo 12](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f4005430047r.jpg) ![862 Cardinal Lane - Photo 13](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f1745613072r.jpg) ![862 Cardinal Lane - Photo 14](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f3657999909r.jpg) ![862 Cardinal Lane - Photo 15](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f2332093098r.jpg) ![862 Cardinal Lane - Photo 16](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f1126077553r.jpg) ![862 Cardinal Lane - Photo 17](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f936547040r.jpg) ![862 Cardinal Lane - Photo 18](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f2929279099r.jpg) ![862 Cardinal Lane - Photo 19](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f137162894r.jpg) ![862 Cardinal Lane - Photo 20](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f1452274541r.jpg) ![862 Cardinal Lane - Photo 21](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f37530284r.jpg) ![862 Cardinal Lane - Photo 22](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f3939179835r.jpg) ![862 Cardinal Lane - Photo 23](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f2209601257r.jpg) ![862 Cardinal Lane - Photo 24](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f8870767r.jpg) ![862 Cardinal Lane - Photo 25](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f226264504r.jpg) ![862 Cardinal Lane - Photo 26](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f3628215674r.jpg) ![862 Cardinal Lane - Photo 27](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f393191779r.jpg) ![862 Cardinal Lane - Photo 28](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f2621794223r.jpg) ![862 Cardinal Lane - Photo 29](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f3101964726r.jpg) ![862 Cardinal Lane - Photo 30](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f2487233863r.jpg) ![862 Cardinal Lane - Photo 31](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f499187226r.jpg) ![862 Cardinal Lane - Photo 32](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f624696192r.jpg) ![862 Cardinal Lane - Photo 33](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f3379065595r.jpg) ![862 Cardinal Lane - Photo 34](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f474590441r.jpg) ![862 Cardinal Lane - Photo 35](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f1813892963r.jpg) ![862 Cardinal Lane - Photo 36](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f2407195763r.jpg) ![862 Cardinal Lane - Photo 37](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f1037581660r.jpg) ![862 Cardinal Lane - Photo 38](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f3913475695r.jpg) ![862 Cardinal Lane - Photo 39](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f1419352374r.jpg) ![862 Cardinal Lane - Photo 40](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f3497101923r.jpg) ![862 Cardinal Lane - Photo 41](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f2533249761r.jpg) ![862 Cardinal Lane - Photo 42](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f1607095453r.jpg) ![862 Cardinal Lane - Photo 43](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f3251672312r.jpg) ![862 Cardinal Lane - Photo 44](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f3364735649r.jpg) ![862 Cardinal Lane - Photo 45](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f643892572r.jpg) ![862 Cardinal Lane - Photo 46](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f2698023281r.jpg) ![862 Cardinal Lane - Photo 47](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f1208425177r.jpg) ![862 Cardinal Lane - Photo 48](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f3044521773r.jpg) ![862 Cardinal Lane - Photo 49](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f494956244r.jpg) ![862 Cardinal Lane - Photo 50](http://lh.rdcpix.com/ca1d2dad8514e9c3ed311bc6f431ca51l-f4102015002r.jpg) --- **MLS#:** 621495 | **Updated:** 2026-10-24 **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/862-cardinal-lane-key-largo-fl-33037-d122b51b0dfc4986bc7e3d01a69f1c29) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/862-cardinal-lane-key-largo-fl-33037-d122b51b0dfc4986bc7e3d01a69f1c29#listing", "url": "https://www.propertysimple.ai/listing/862-cardinal-lane-key-largo-fl-33037-d122b51b0dfc4986bc7e3d01a69f1c29", "name": "862 Cardinal Lane, Key Largo, FL 33037", "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 covered 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. 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