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85 Henry Morgan Drive, Key Largo, FL 33037

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For Sale

$1,090,000

3 beds • 2 baths • 1,499 sqft

Estimated Payment

$ 6,151 /mo. †

6.65% APR for 30 yrs.
$6,636 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $727.15
    Price per square foot

  • 11-20 Years Old
    Age

Explore this Property

Escape to your own private oasis in Key Largo with this exquisite ranch-style retreat, designed for ultimate comfort and effortless entertaining. Surrounded by lush tropical gardens, this home offers a serene and spa-like atmosphere, blending high-end craftsmanship with the laid-back island lifestyle. The heart of the home is a chef's dream kitchen, featuring a custom rare granite island, dual Miele refrigerators, a professional-grade Wolf gas range with double ovens, and a hammered copper hood and deep farm sink, all complemented by imported rough-sawn black walnut cabinetry.Set on 3 lots with street-to-street access, this property seamlessly integrates indoor & outdoor living. The covered lanai is perfect for entertaining, complete with a built-in grill, fire pit, and shady garden nooks, offering the ideal space to unwind or gather with friends. Inside, the home boasts 3 spacious bedrooms and 2 beautifully designed bathrooms, solid concrete construction for durability, impact-rated Anderson windows for energy efficiency and storm protection, and an X-Flood Zone elevation for added peace of mind. Custom woodwork and designer finishes, including imported walnut doors, copper sink basins, and custom lighting, add to the home's distinctive charm. A bonus mini-split in the primary suite provides extra comfort when needed.Located in the desirable Pirate's Cove community, this home offers exclusive access to the neighborhood boat ramp, clubhouse, and bayfront beach, making it perfect for boating, fishing, & soaking up the Florida Keys sunshine. Dual paved driveways provide ample parking for multiple vehicles, a boat, or recreational toys, while the air-conditioned garage includes built-in storage & humidity control. The option to purchase a new whole-house generator ensures security during storm season. The tropical landscaping is enhanced by mature fruit trees, including mango, soursop, lime, & key lime. Call to schedule your showing
MLS# 614010

Courtesy Of American Caribbean Real Estate

(305) 451-4078

Property Features

  • Age
    11-20 Years Old
  • Amenities
    Ceiling Fan
  • Appliances
    Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • Architecture Style
    Other
  • Cooling System
    Ceiling Fan(s)
  • Floor Covering
    Tile
  • Lot Size
    0.17 Acres
  • Roof Type
    Metal
  • View Type
    Water

Map and Directions

Directions to 85 Henry Morgan Drive, Key Largo, FL 33037

Home seller CENTURY 21 Circle

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 Circle

(305) 664-4637
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Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $5,598
  • Property Taxes
    $553
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $6,151

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Key Largo School

Grades PK-8 Public School

Key Largo, FL 33037 6.4 miles
104801 overseas hwy

776 total students
13:1 Student teacher ratio

School Rating: B-

School Details

Coral Shores High School

Grades 9-12 Public School

Tavernier, FL 33070 8 miles
89901 old hwy

711 total students
17:1 Student teacher ratio

School Rating: C+

School Details
Other Nearby Schools Distance Type Grades School Rating
Burton Memorial Child Development Center 5.4 miles Private KG
Ocean Studies Charter 6 miles Public KG-5 A

Burton Memorial Child Development Center

Distance: 5.4 miles

Type Private

Grades: KG

Ocean Studies Charter

Distance: 6 miles

Type Public

Grades: KG-5

A

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Key Largo, FL 33037

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Key Largo, FL 33037

This community’s employment is highest in the food and administrative support industries. The area’s overall household expenses are above the national average.

90° August
Hottest Average Month
60° January
Coldest Average Month
6,579 Total Households in Area
-2% Increase in population since the year 2010
17.5%
of households
have children
26 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Key Largo, FL 33037

Key Largo, FL 33037 has a population of 13,893 people in 6,579 households with a median age of 53.2 years old.

-2%
Decrease in population
since the year 2010
Population is Trending down
6,339
Total households as of 2010
3.9%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 53.2 years old. The smallest percentage group is 55-64 years and the largest percentage is the 0-5 years age range.

Community Population By Ethnicity

White 71%
Hispanic 28%
Other 5%
Black 2%
Asian <1%
Native American <1%
The most prevalent ethnicity is White at 71%, followed by Hispanic at 28%, Other at 5%, and Black at 2%.

Economics
for Key Largo, FL 33037

85 /sq mi
Population Density
$78,732 /yr
Median Household Income
$799,500
Median Sales Price
26 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 22.46% of the households.

Transportation to Work

  • Drive 84%
  • Work from Home 10%
  • Walk or Bike 4%
  • Public Transit 1%

Occupancy by Type

Owned 5,132 47%
Vacant 4,267 39%
Rented 1,446 13%

White vs Blue Collar Jobs







White Collar 77%
Blue Collar 23%

Family & Education Facts
for Key Largo, FL 33037

53.2 Median Age

Average Household Size

2.1
persons per
household

51.3%

Married Households

Community Population By Education

High School Graduate 26%
Bachelors Degree 22%
Some College 20%
Graduate Degree 17%
Associates Degree 8%
Some High School 7%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 26.22% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
17.5% of households have children

Weather
for Key Largo, FL 33037

The weather for this area ranges from a high of 90° F in August to a low of 60° F in January

90° August
Hottest Average Month
60° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
60°
76°
Feb
61°
77°
Mar
64°
80°
Apr
67°
83°
May
71°
86°
Jun
75°
88°
Jul
76°
89°
Aug
76°
90°
Sep
75°
88°
Oct
72°
85°
Nov
66°
81°
Dec
61°
77°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 Florida Keys Board of REALTORS&#174;. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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