895 Ellen Drive, Key Largo, FL 33037

$1,060,000

Interior - Living Room looking toward ki

Property Type: Residential Bedrooms: 2 Baths: 2 Square Footage: 1,410 Lot Size (sq. ft.): 9,750 Status: Closed

Current Price: $1,060,000 List Date: 8/21/2026 Last Modified: 10/22/2026

Overview

Description

New to the market, this 2 bedroom, 2 bath home offers a rare combination of an oversized lot, 75 feet of boat dockage, mature tropical landscaping, and direct access to the open bay. Nestled among native trees, including an impressive collection of beautiful, well-established Lignumvitae trees, the property offers a lush, private setting that is becoming increasingly difficult to find. The home is a classic Sheffield House, a unique Keys-style frame home constructed above steel columns. Inside, vaulted ceilings create an open, airy feel, while the existing layout offers a comfortable home that is livable as-is with plenty of opportunity to update and make it your own. For the boating enthusiast, the location is exceptional. The canal leads directly to the open bay and the bayside entrance of Adams Cut, providing quick and convenient access to both the bay and ocean. With 75 feet of dockage, there is ample room to accommodate your boat and enjoy the Keys lifestyle right from your ... (Read more)

Listing Details MLS# 621045

Location, Tax & Legal

Street #: 895
Street Name: Ellen
Street Suffix: Drive
Key/Island: Key Largo
State/Province: FL
Zip Code: 33037
County: Monroe
Subdivision: Twin Lakes (103.0)
Area: 27 - Key Largo MM 97-107
City: KEY LARGO
Mile Marker: 103
Marathon Neighborhood: N/A
Side: Bay/Gulf
Alternate Key #: 1671681
Parcel #: 00548200000000
Zoning: SF - Single Family
Deed Restrictions: No
Legal: Bk 2 Lt 1 Twin Lakes Pb3-160 Key Largo Or449-921/22 Or838-1113 Or838-1114 Or839-393 Or1546-568 Or1650-2426 Or1650-2427 O
Taxes: 3328.19
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: 4
Pool: No
Year Built: 1982
Lot SqFt: 9750
Lot Sqft Source: Tax Records
Acres: 0.22
Living Apx SqFt: 1410
SqFt Source: Tax Records
Total Bedrooms: 2
Full Baths: 2
Total Baths: 2
Rentals Allowed: With Restrictions

Status Change Info

Under Contract Date: 2026-10-05
Sold Date: 2026-10-22

Association Info

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

Dockage

Dock: Wood

More Information

Building Style

Above Flood: Unknown

Specialty Rooms

Guest/Servant Qtrs: Non-Conforming
Laundry Room: Yes
Sun/Florida Room: Yes

Remarks & Misc

Remarks – Consumer: New to the market, this 2 bedroom, 2 bath home offers a rare combination of an oversized lot, 75 feet of boat dockage, mature tropical landscaping, and direct access to the open bay. Nestled among native trees, including an impressive collection of beautiful, well-established Lignumvitae trees, the property offers a lush, private setting that is becoming increasingly difficult to find. The home is a classic Sheffield House, a unique Keys-style frame home constructed above steel columns. Inside, vaulted ceilings create an open, airy feel, while the existing layout offers a comfortable home that is livable as-is with plenty of opportunity to update and make it your own. For the boating enthusiast, the location is exceptional. The canal leads directly to the open bay and the bayside entrance of Adams Cut, providing quick and convenient access to both the bay and ocean. With 75 feet of dockage, there is ample room to accommodate your boat and enjoy the Keys lifestyle right from your backyard. The enclosed downstairs space is non-conforming and offers additional potential for storage, workshop space, or other uses, subject to local regulations. Whether you're looking for a Keys getaway, a full-time residence, or an opportunity to renovate and create your own waterfront retreat, this property offers the location, land, dockage, and character to make it truly special.

Fee Includes

None: Yes

Tax Exemptions

Homestead: Yes

Appliances

Dishwasher: Yes
Microwave: Yes
Oven: Yes
Range: Yes
Refrigerator: Yes

Pets

Pets Allowed: Yes

Cooling

Ceiling Fans(s): Yes
Central Air: Yes

Waterfront

Canal Front: Yes

Waterview

Canal View: Yes

Floor

Carpet: Yes
Tile: Yes

Interior Features

Cathedral Ceilings: Yes

Construction

Combo Construction: Yes
Frame: Yes

Land Size

Less Than 1/4 Acre: Yes

Furnished

Unfurnished: Yes

Terms

Cash: Yes
Conventional: Yes
No Seller Finance: Yes

Utilities

Buyer to Verify: Yes
FKAA: Yes

Porch/Balcony

Screened Patio: Yes

Title

Title Ins - Buyer: Yes

Exterior Features

Shed: Yes
Storage: Yes

Roof

Metal Roof: Yes

Property Features

Fee Includes: None Tax Exemptions: Homestead Waterfront: Canal Front Waterview: Canal View Furnished: Unfurnished Cooling: Ceiling Fans(s); Central Air Utilities: Buyer to Verify; FKAA Interior Features: Cathedral Ceilings Specialty Rooms: Laundry Room; Sun/Florida Room Appliances: Dishwasher; Microwave; Oven; Range; Refrigerator Exterior Features: Shed; Storage Construction: Combo Construction; Frame Floor: Carpet; Tile Roof: Metal Roof Pets: Pets Allowed Land Size: Less Than 1/4 Acre Terms: Cash; Conventional; No Seller Finance Title: Title Ins - Buyer

Listing Office: Coldwell Banker Schmitt Islamorada

Last Updated: October - 22 - 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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