Premier Brokers International
98701 Overseas Highway, Key Largo, FL 33037
ActiveMLS listing sourceMIAMI REALTORS® MLS
ActiveMLS® A11720502
$2,950,000

98701 Overseas Highway, Key Largo, FL 33037

Beds
4
Baths
5
Sqft
2,044
Est. payment$18,321/mo
Home type
Single Family Residence
Year built
1965
Lot size
53,579 sqft
Price / sqft
$1,443
HOA
$0/mo
Community
ROCK HARBOR MANOR

Property description

A Secluded Waterfront Paradise in the Heart of the Florida Keys. Step into a world of minimalistic elegance and tranquility at this one-of-a-kind coastal oasis. Tucked away on over an acre of lushly landscaped, private property stretching from highway to water, this architecturally unique home offers serene luxury and endless possibilities. Arrive via a tree-lined driveway to discover a striking three-story coastal retreat. Featuring four private en suite bedrooms, each with its separate entrance, the home is designed to provide privacy and relaxation for family and guests alike, great rental property for corporate retreat. This property has just received a vacation rental license which brings enhanced opportunities for income producing short term vacation rentals. The sleek, contemporary design integrates seamlessly with the natural surroundings, offering captivating water views from every vantage point. Designed with entertaining in mind, this property boasts multiple spacious outdoor entertainment areas, including verandas overlooking the sparkling pool, sand-laden grounds, and tranquil waterfront oasis. Gather around the expansive fire-pit with seating for up to 14, perfectly situated at the water's edge for unforgettable evenings under the Keys' starry skies. Adding to its versatility, a secondary garage structure—measuring over 700 sq. ft. with soaring 11-foot ceilings—has been artfully re-imagined as a flexible guest space or personal retreat. With SR zoning permitting vacation rentals, this unique property offers endless opportunities, whether as a family compound, corporate retreat, or lucrative investment. Its layout, designed to maximize privacy and individuality, makes it especially appealing for those seeking a distinctive and adaptable space. Additional features include: Ample parking and storage, ideal for all your waterfront toys. •A kayaker's or paddleboarder's dream, with access to nearby mangrove trails. A secluded yet accessible location, offering privacy while remaining close to the best of the Keys. Don't miss the opportunity to own this unparalleled Keys sanctuary, where modern sophistication meets natural beauty. Schedule your private tour today and experience the allure of this remarkable retreat.

Listing activity

Days on market
651
Listed
Jan 8, 2025
MLS listing updated
Sep 4, 2026
Feed last checked
5 minutes ago

Listed by Joy C Martin · American Caribbean Real Estate

Map

Map location is based on MLS-supplied coordinates. Verify the location before relying on it.

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms
4
Bathrooms
5
Bathrooms (decimal)
5
Full bathrooms
5
Half bathrooms
0

Rooms & features

Rooms
1
Flooring
Tile
Appliances
Dishwasher, Electric Range, Refrigerator

Heating & cooling

Heating
None
Cooling
Ceiling Fan(s), Electric
Property

Parking

Garage spaces
0
Carport spaces
0
Covered spaces
0
Parking features
Driveway
Attached garage
No

Exterior

Stories
3
Building area
4,252 sqft
Exterior features
Balcony
Fencing
Fenced
Pool
Yes
Pool features
Above Ground
View
Ocean
Waterfront
Ocean Access
Waterfront property
Yes

Lot

Lot size
53,579 sqft
Lot size (acres)
1.23 acres
Zoning
SR
Construction

Type & style

Home type
Single Family Residence
Year built
1965
New construction
No

Materials

Construction
CBS, Other
Roof
Other
Property condition
Resale
Levels
Three Or More
Faces
East
Utilities & green energy

Utilities

Sewer
Public Sewer
Water
Public
Community & HOA

Community

Subdivision
ROCK HARBOR MANOR
MLS area
5940 - Other Florida County
MLS subarea
Other
55+ community
No

Association

Has association
No
Estimated monthly dues
$0
Amenities
None
Lease details

Not reported by the listing source.

Location

Area details

City
Key Largo
County
Monroe
ZIP code
33037
Manufactured home details

Not reported by the listing source.

Financial & listing details

Listing

MLS number
A11720502
Possession
Negotiable
Original list price
$3,600,000
Parcel number
00521460000000
Annual property tax
$18,469
Tax year
2024
Tax legal description
PT LT 13 AND ALL LT 14 ROCK HARBOR MANOR PB2-54 KEY LARGO OR324-536 OR551-391 OR1248-566 OR1248-569 OR1288-10 OR2871-454 OR2916-684 OR2940-2
Additional MLS details

Reported by the listing source

Association Amenities
None
Association
No
Bathrooms Total Decimal
5
Bathrooms Total Integer
5
Building Area Total
4252
Construction Materials
CBS, Other
County Or Parish
Monroe
Days On Market
651
Direction Faces
East
Elementary School
Key Largo
High School
Coral Shores
List Price
2950000
Listing Contract Date
2025-01-08
Living Area
2044
Lot Size Acres
1.23
Lot Size Area
53756
MLSArea Major
5940 - Other Florida County
MLSArea Minor
Other
Middle Or Junior School
Key Largo
Mls Status
Active
On Market Date
2025-01-08
Photos Count
47
Postal Code
33037
Price Change Timestamp
2026-09-04T15:56:24Z
Property Sub Type
Single Family Residence
Property Type
Residential
Rooms Total
1
Senior Community
No
Standard Status
Active
State Or Province
FL
Status Change Timestamp
2025-01-08T22:26:50Z
Stories Total
3
Subdivision Name
ROCK HARBOR MANOR
Water Source
Public
Waterfront Features
Ocean Access
Tax Annual Amount
18469
Bathrooms Full
5
Pool Private
Yes
Bedrooms Total
4
Bathrooms Half
0

Market value

Automated estimate—No licensed valuation source connected
Estimated sales range—Ask Karim for a local market analysis
Estimated rent—No licensed rental valuation source connected

Price history

DateEventPrice
Jan 8, 2025ListedMIAMI REALTORS® MLS$3,600,000$1,761/sqft
Sep 4, 2026Price reducedMIAMI REALTORS® MLS$2,950,000$1,443/sqft

Public tax history

YearProperty taxesAssessment
2024$18,469—

Payment calculator

Estimated monthly payment$18,321/moIllustrative estimate, not a loan offer.
Principal & interest
$15,307
Property taxes
$1,539
Insurance
$1,475
Association dues
$0

Live national rate context is displayed below through Mortgage News Daily’s official widget. The calculator rate remains a separate assumption until licensed machine-readable access is connected. This is not a loan offer.

Neighborhood

Area

ROCK HARBOR MANOR

Key Largo · Monroe County · 33037

Climate risk

—

No licensed climate-risk source is connected.

Nearby schools

Key LargoElementary
—
Key LargoMiddle
—
Coral ShoresHigh
—
School names and districts are MLS-reported when available. Verify attendance boundaries with the school district. Ratings require a licensed ratings provider.

Nearby homes

12 homes

Similar homes

12 homes
MLS listing source

MIAMI REALTORS® MLS · Listing courtesy of American Caribbean Real Estate. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright ©2026 BeachesMLS, Inc. IDX information is provided exclusively for consumers’ personal, non-commercial use and may be used only to identify prospective properties they may be interested in purchasing or leasing. Terms of use · Equal Housing Opportunity.