About This Home

This 4-bedroom, 3-bathroom townhouse at 97501 Overseas Highway #802 in Key Largo, FL is listed for $979,000 ($389 per sqft). Built in 2003, the home offers 2,518 sqft of living space on a 0.09 acres lot.

Key Features

  • Built in 2003
  • 0.09 acre lot
  • Private pool

Property Details

3 full
#802
2003

Amenities

PoolEV ChargerViewA/C
Listing Description

Luxury resort-style living meets exceptional income potential in this spacious two-story townhouse at Mariner's Club & Marina, one of Key Largo's premier oceanfront communities. Currently a turnkey vacation rental with nightly rentals permitted, this unique lock-off floor plan offers incredible flexibility.

The home is configured as a 2-bedroom, 2-bath vacation rental with a connected, partially finished 2-bedroom, 1-bath owner's suite separated by a lockable interior door and separate exterior entrance. Enjoy the entire 4-bedroom, 3-bath residence, reserve a private owner's area for your exclusive use when the home is not rented, or maximize income by renting the entire home.

Inside, you'll find an open-concept floor plan, fully equipped kitchen, spacious bedrooms, in-unit washer and dryer, and a covered patio ideal for outdoor dining and entertaining. An oversized attached garage provides plenty of room for your vehicle, golf cart, and all your boating and water sports gear.

Mariner's Club offers an exceptional resort lifestyle with two oceanfront swimming pools, a spa with waterfall grotto, fitness center, speakeasy lounge and game room, indoor and outdoor pickleball courts, tennis, basketball, and a protected deep water 43-slip marina with dry rack storage and direct ocean access.

Beautiful tropical grounds feature a sandy beach, tiki huts, fishing pier, orchid garden, EV charging stations, a staffed guard gate, and 24-hour security. Owners enjoy unlimited personal use and the flexibility to self-manage rentals or hire a local property manager.

Pets are welcome for owners and for tenants with leases longer than six months. Buyer contributions due at closing include a refundable $45,000 equity membership and a nonrefundable capital contribution of $10,699.20. Whether you're seeking a luxury Keys getaway, a high-performing investment property, or both, this rare opportunity offers the best of the Florida Keys lifestyle.

Monthly Cost Estimate

$13,018/mo

20% down · 6.5% · 30 years

Principal$708
Interest$4,242
Insurance$286
HOA$7,782

Estimates only. Actual payments may vary.

Location

97501 Overseas Highway #802

Key Largo, FL 33037

Key Largo North - Marnier's Club (97.0)

Features & Amenities

Interior Features

Gym

Exterior Features

Chickee HutHot TubOutdoor ShowerSandy BeachTennis Court(s)

Property Details

Flooring

Tile

Construction

CBS Concrete

Views

Water

Pool Features

Pool

Outdoor Features

Patio

Heating

Central

Cooling

Central Air

Appliances

WasherDryerDishwasherRefrigeratorRangeOvenMicrowaveFreezer

Questions & Answers

This 4-bedroom, 3-bathroom townhouse at 97501 Overseas Highway is listed at $979,000 ($389/sqft). The estimated monthly payment is $13,018 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $7782/month.

Key features include: Built in 2003, 0.09 acre lot, Private pool. Interior Features: Gym. Exterior Features: Chickee Hut, Hot Tub, Outdoor Shower.

This property is listed by Michelle Rusch and can be reached at 3059724105.

MR

Michelle Rusch

License 3438097

Agent at LoKation Real Estate

(305) 972-4105

Listed by LoKation Real Estate · Broker phone: (954) 545-5583 · View on Broker Site · Broker website

MLS# 620765· Source: Florida Keys Board of REALTORS®· 39 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.

97501 Overseas Highway #802, Key Largo, FL 33037

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