Premier Brokers International
862 Cardinal, FL 33037
ActiveMLS listing sourceMIAMI REALTORS® MLS
ActiveMLS® A12100959
$1,999,000

862 Cardinal, FL 33037

Beds
4
Baths
4
Sqft
—
Est. payment$11,630/mo
Home type
Single Family Residence
Year built
2025
Lot size
—
Price / sqft
—
HOA
$0/mo
Community
Winston Waterway

Property 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.

Listing activity

Days on market
21
Listed
Oct 3, 2026
MLS listing updated
Oct 5, 2026
Feed last checked
7 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
4
Bathrooms (decimal)
4
Full bathrooms
4

Rooms & features

Rooms
0
Interior features
Built-in Features, Walk-In Closet(s)
Flooring
Tile
Appliances
Dishwasher, Dryer, Electric Range

Heating & cooling

Heating
Other
Cooling
Ceiling Fan(s), Central Air
Property

Parking

Garage spaces
0
Carport spaces
3
Carport
Yes
Covered spaces
3
Parking features
Covered, Driveway, Paver Block
Attached garage
No

Exterior

Stories
2
Pool
Yes
Pool features
In Ground
View
Canal
Waterfront
Canal Front
Waterfront property
Yes

Lot

Zoning
IS
Construction

Type & style

Home type
Single Family Residence
Year built
2025
New construction
Yes

Materials

Construction
CBS
Roof
Metal
Property condition
New Construction
Levels
Two
Faces
South
Utilities & green energy

Utilities

Sewer
Public Sewer
Water
Public
Community & HOA

Community

Subdivision
Winston Waterway
MLS area
5940 - Other Florida County
MLS subarea
Other
55+ community
Yes

Association

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

Not reported by the listing source.

Location

Area details

County
Other
ZIP code
33037
Manufactured home details

Not reported by the listing source.

Financial & listing details

Listing

MLS number
A12100959
Possession
Negotiable
Original list price
$1,999,000
Parcel number
00546380000000
Annual property tax
$3,094
Tax year
2025
Tax legal description
Bk 2 Lt 1 Amd Plat Of Winston Waterways Pb4-144 Or575-383 Or1319-438 Or1439-1791 Or2030-463 Or2174-55 Or2458-2065/66C/T
Additional MLS details

Reported by the listing source

Association Amenities
None
Association
No
Bathrooms Total Decimal
4
Bathrooms Total Integer
4
Construction Materials
CBS
County Or Parish
Other
Days On Market
21
Direction Faces
South
Elementary School
Key Largo
High School
Coral Shores
List Price
1999000
Listing Contract Date
2026-10-03
MLSArea Major
5940 - Other Florida County
MLSArea Minor
Other
Middle Or Junior School
Key Largo
Mls Status
Active
On Market Date
2026-10-03
Photos Count
50
Postal Code
33037
Property Sub Type
Single Family Residence
Property Type
Residential
Rooms Total
0
Senior Community
Yes
Standard Status
Active
State Or Province
FL
Status Change Timestamp
2026-10-03T04:00:00Z
Stories Total
2
Subdivision Name
Winston Waterway
Water Source
Public
Waterfront Features
Canal Front
Tax Annual Amount
3094
Bathrooms Full
4
Pool Private
Yes
Bedrooms Total
4
General Property Information: Senior Community
Yes

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
Oct 3, 2026ListedMIAMI REALTORS® MLS$1,999,000

Public tax history

YearProperty taxesAssessment
2025$3,094—

Payment calculator

Estimated monthly payment$11,630/moIllustrative estimate, not a loan offer.
Principal & interest
$10,372
Property taxes
$258
Insurance
$1,000
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

Winston Waterway

Other 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.