862 Cardinal Lane, Key Largo, FL 33037

New Listing

$1,999,000

Property Type: Residential Bedrooms: 4 Baths: 4 Square Footage: 2,326 Lot Size (sq. ft.): 6,900 Status: Active

Current Price: $1,999,000 List Date: 10/03/2026 Last Modified: 10/05/2026

Overview

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 covere ... (Read more)

Supplements: 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 o ... (Read more)

Listing Details MLS# 621495

Location, Tax & Legal

Street #: 862
Street Name: Cardinal
Street Suffix: Lane
Key/Island: Key Largo
State/Province: FL
Zip Code: 33037
County: Monroe
Subdivision: Winston Waterway (102.0)
Area: 27 - Key Largo MM 97-107
City: KEY LARGO
Off Shore Island: No
Mile Marker: 102
Marathon Neighborhood: N/A
Side: Ocean
Flood Zone: AE
Alternate Key #: 1669873
Parcel #: 00546380000000
Zoning: IS - Improved Subivision District
Deed Restrictions: Unknown
Legal: 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
Taxes: 3094.74
Tax Year: 2025
Pub Sewer HkUp: Yes

Contract Information

Listing Board: Florida Keys
As is Rght to Inspct: Yes

General Property Description

Realtor.COM Type: Residential - Single Family
Style: Single Family
Waterfront: Yes
Control Depth: 3
Pool: Yes
Year Built: 2025
Lot SqFt: 6900
Lot Sqft Source: Property Data Card
Acres: 0.15
Living Apx SqFt: 2326
SqFt Source: Property Data Card
Total Bedrooms: 4
Full Baths: 4
Total Baths: 4
Rentals Allowed: With Restrictions
Min Rental Days: 28

Association Info

Mandatory Home Owners Asc: No
Voluntary Home Owners Asc: No
1st Right of Refusal: No
Association Fee $: 0

Dockage

Dock Length: 40
Dock: Composite

More Information

Building Style

Above Flood: Yes
Stories: 2 Stories

Vehicle Storage

Car(s): 4+
Carport: Yes
Open Parking: Yes
Attached: Yes
Off Street Parking: Yes

Pool Info

Heated: Yes
In Ground: Yes

Remarks & Misc

Remarks – Consumer: 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
Directions: MM 1012 Oceanside-- Turn East on Mahogany, then right on Valencia Rd, then right on Cardinal. 1st house on the right, corner lot.

Fee Includes

None: Yes

Tax Exemptions

None: Yes

Appliances

Dishwasher: Yes
Dryer: Yes
Freezer: Yes
Microwave: Yes
Range: Yes
Refrigerator: Yes
Stainless Steel Appliance(s): Yes
Washer: Yes
Wine Cooler: Yes

Pets

Pets Allowed: Yes

Cooling

Ceiling Fans(s): Yes
Central Air: Yes

Waterfront

Canal Front: Yes

Waterview

Canal View: Yes

Floor

Tile: Yes

Interior Features

Built-in Cabinets: Yes
Cathedral Ceilings: Yes
Entrance Foyer: Yes
Walk-in Closet(s): Yes

Property Condition

New Construction: Yes

Windows/Doors

Impact Rstnce Doors: Yes
Impact Rstnce Window: Yes

Security

Other: Yes

Construction

CBS: Yes

Land Size

Less Than 1/4 Acre: Yes

Furnished

Unfurnished: Yes

Terms

Cash: Yes
Conventional: Yes
FHA: Yes
Seller Finance Psble: Yes

Utilities

Buyer to Verify: Yes
FKAA: Yes
Municipal Sewer: Yes

Porch/Balcony

Open Porch/Balcony: Yes

Title

Title Ins - Buyer: Yes

Exterior Features

Lighting: Yes
Outdoor Kitchen: Yes
Storage: Yes

Roof

Metal Roof: Yes

GF-Interior Features

Tankless Hot Wtr Htr: Yes

Property Features

Fee Includes: None Tax Exemptions: None Waterfront: Canal Front Waterview: Canal View Property Condition: New Construction Vehicle Storage: Carport; Attached; Off Street Parking; Open Parking Furnished: Unfurnished Cooling: Ceiling Fans(s); Central Air Utilities: Buyer to Verify; FKAA; Municipal Sewer Interior Features: Built-in Cabinets; Cathedral Ceilings; Entrance Foyer; Walk-in Closet(s) Appliances: Dishwasher; Dryer; Freezer; Microwave; Range; Refrigerator; Stainless Steel Appliance(s); Washer; Wine Cooler Exterior Features: Lighting; Outdoor Kitchen; Storage Pool Info: In Ground Construction: CBS Floor: Tile Roof: Metal Roof Pets: Pets Allowed Security: Other Land Size: Less Than 1/4 Acre Terms: Cash; Conventional; FHA; Seller Finance Psble Title: Title Ins - Buyer GF-Interior Features: Tankless Hot Wtr Htr

Listing Office: American Caribbean Real Estate, Christie's International Real Estate

Last Updated: October - 05 - 2026

The data relating to real estate for sale on this web site comes in part from the Florida Keys MLS, Inc. Information provided is deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. The information being provided is for consumers’ personal, non-commeral use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. IDX data is deemed reliable but is not guaranteed accurate by the MLS.

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