
MIAMI REALTORS® MLS862 Cardinal, FL 33037
- Beds
- 4
- Baths
- 4
- Sqft
- —
- 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
Price history
| Date | Event | Price |
|---|---|---|
| Oct 3, 2026 | ListedMIAMI REALTORS® MLS | $1,999,000 |
Public tax history
| Year | Property taxes | Assessment |
|---|---|---|
| 2025 | $3,094 | — |
Payment calculator
- 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 WaterwayOther County · 33037
Climate risk
—No licensed climate-risk source is connected.
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