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20 Center Lane

Key Largo, FL, 33037

Active

$2,785,000

4

Bedrooms

4

Bathrooms

3,018 sqft

Living Area

2015

Year Built

5,775

Lot Size (sqft)

6

Days on Market

Dock Score™

DockOnly
72
Good

What shaped this score

✓Canal
✓Dock with boat lift for up to 33ft
✓Premium waterfront location
✓Fits boats up to ~32ft (est.)

DockOnly.com rating, not provided by the MLS or listing broker.

Dock & Water AccessMLS

OceanfrontCanal Front📝 18K-lb boat lift

AI Aerial Imagery Detection

Dock DetectedBoat Lift DetectedSeawall Detected~27-37 ft dock

Detected by AI from open-source aerial mapping imagery and may not reflect current conditions. This information was not provided by the MLS or listing broker. Always verify dock infrastructure with the listing agent.

Navigation RouteDockOnly

Data sources: SFWMD AHED waterway polygons · FHWA National Bridge Inventory 2024 · Not provided by the MLS or listing broker.

Description

Experience waterfront luxury in Key Largo's Stillwater enclave. This turnkey smart home offers 4 bedrooms, 3 full baths and 1 half bath, complemented by a heated in-ground pool and elevator. Built in 2015 and reimagined in 2021, the residence embodies sophisticated island living. A 55-ft finished dock with direct Blackwater Sound access, an 18,000 lb boat lift and 2 jet ski docks creates an exceptional setting for boating. The paved ground level invites entertaining with a half bath, DC motor fans, ice maker and built-in sound system. Soaring ceilings, floor-to-ceiling impact sliding doors, tinted windows and motorized canal-facing shades enhance the main living level. The open gourmet kitchen features quartzite/marble countertops, stainless steel appliances, designer lighting and a dry bar with wine cooler. A 2nd-floor primary suite, 2 additional bedrooms, 2 full baths and washer/dryer provide comfort and convenience. Occupying the entire 3rd floor, a second primary suite offers a spa-inspired bath, oversized walk-in closet and a private retreat. Expansive balconies on each living floor frame waterfront views, while a rooftop deck sets the scene for sunset dining. Additional features include 2-zone A/C and exterior insect-defense blue lights. Current insurance is $7,000 annually. Located at MM 105, approximately one hour from Miami. Available fully furnished.

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Location

Key Largo, FL, 33037

No price history available for this property.

Displayed by Blue Mar Real Estate Group Inc., Licensed Florida Real Estate Broker (DBPR CQ1018554) · [email protected]

Listing courtesy of Keller Williams Capital Realty - Coral Gables via Florida Keys MLS

Last checked: 10 hours ago

Listing updated: October 21, 2026

© 2026 Florida Keys Board of REALTORS®, Inc. All rights reserved. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Florida Keys Board of REALTORS®. Information is deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal.

IDX information is provided exclusively for consumers' personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Nearest Bridge Clearances

Florida Keys, critical for tall/large vessels

No bridge data available for this location.
FEMA Flood Zone AE
BFE: 10ft

Special Flood Hazard Area

View FEMA Flood Map →
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Mortgage Calculator

Estimate your monthly payment for this waterfront property

20%

$557,000 down

%
Principal & Interest$14,451/mo
Property Tax (est. ~1.2%, varies by county)$2,785/mo
Home Insurance (est.)$250/mo
Total Monthly Payment$17,486
Loan Amount: $2,228,000Rate: 6.75%
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Estimated payments only. Actual rates and terms may vary.

$2,785,000Tour the dockSchedule a Showing
Navigation note: Navigation routes show the shortest mapped path to open water. A vessel taller than the binding bridge clearance may still reach open water via a longer alternate route that we don't currently map. Verify navigability with a local captain or surveyor before relying on it.