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Discover the potential of this spacious CBS home situated on an oversized corner lot in the highly desirable Largo Sound Village neighborhood of Key Largo. Located in an X Flood Zone, this property offers added peace of mind with no flood insurance typically required by lenders. The upper level features a generous living area with 2 bedrooms, 2 bathrooms, an elevator, and two versatile bonus rooms that can be used as an office, hobby room, guest space, or additional living area. The lower level has been thoughtfully configured into two 1-bedroom, 1-bathroom living spaces, providing excellent flexibility for extended family, guests. Residents have the option to join the private Largo Sound Village homeowners park for just $150 annually, which includes access to a boat ramp and waterfront park on Largo Sound with outstanding boating access to both the Atlantic Ocean and Florida Bay. Conveniently located less than an hour from Miami, this property offers endless possibilities in one of Key Largo's most sought-after family-friendly communities.

Highlights

  • Residential
  • Single Family Residence
  • Built in 1985
  • 0.17 Acre Lot
  • $150/yr HOA
  • 116 days on Market

  • Bedrooms
    4
  • Bathrooms
    4
  • Year Built
    1985
  • Parking Features
    RV Access/Parking, Off Street
  • Appliances
    Dryer, Dishwasher, Microwave, Refrigerator, Washer, Oven
  • Flooring
    Tile
  • Furnished
    Unfurnished
  • Patio And Porch
    Patio, Deck, Porch
  • Pool Features
    Above Ground, Liner
  • Cooling
    Ductless, Ceiling Fan(s), Central Air, Wall/Window Unit(s)
  • Heating
    Central

  • Acres
    0.17

  • Area
    27 - Key Largo MM 97-107
  • County
    Monroe
  • City
    Key Largo
  • Neighborhood
    Largo Sound Vill (104.0)
  • Zip Code
    33037

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Frequently Asked Questions

How do I schedule a tour of 322 3rd?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 322 3rd.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 322 3rd?

Click Ask a Question to talk with our team. You already know it is a 4 bed, 4 bath, listed for $724,900. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Key Largo, and can even get you in to see the property quickly.

How much is the monthly mortgage payment for 322 3rd?

With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 322 3rd at around $4,453. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 322 3rd?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Monroe County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 322 3rd?

In most cases, yes. Whether 322 3rd is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Key Largo's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 322 3rd?

We can handle that for you. Our preferred local agent specializes in residentials in Key Largo and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $724,900 with 1,495 sqft of space—that comes out to approximately $485 per square foot.

How long has this property been on the market?

322 3rd was listed on July 17, 2026, which means it's been on the market for 116 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 1985, making it approximately 41 years old.

What is the lot size of this property?

322 3rd sits on a 0.17-acre lot, which is 7,405 square feet.

What are the property taxes for 322 3rd?

The most recent public record shows annual property taxes for 322 3rd were approximately $3,932. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.

Is there an HOA fee for this property, and what does it cover?

This home has an HOA fee of $150 paid annually.

Is 322 3rd still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data

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IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by the MLS. Copyright 2026 Florida Keys Board of REALTORS®, Inc.