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20 photos
+15
Canal Front
41 Pumpkin Cay A
Key Largo, FL, 33037
$5.4M
4
Bedrooms
4
Bathrooms
1,970 sqft
Living Area
1975
Year Built
Dock & Water Access
Dock Amenities
Waterfront Features
Canal Front
Description
Welcome to your easy-living retreat at 41A Pumpkin Cay of Ocean Reef Club. This beautifully updated 4-bedroom, 3.5-bath ground-floor condo offers a bright, open layout designed for gathering family and friends. It’s truly move-in ready, featuring a brand-new AC (2026), a new roof (2025), and newly installed impact sliding glass doors that open to your screened-in porch—perfect for those slow mornings watching the sunrise. The heart of the home is the modern kitchen (updated in 2021), featuring quartz countertops, sleek stainless steel appliances and generous cabinet space. Whether you’re hosting a dinner or a casual happy hour, the custom bar—complete with a new Scotsman ice maker and wine fridge—makes entertaining a breeze. One of the four bedrooms offers great flexibility as a home office or guest suite, featuring a built-in queen Murphy bed. For the boaters, your assigned 29-foot dock is just steps away in a protected canal with quick ocean access. Offered fully furnished, this residence is ready for you to move right in and start making memories in the heart of Ocean Reef.
Location
Key Largo, FL, 33037
Listing courtesy of Swenson & Ecuyer Realty
Last updated: 3/21/2026
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Dock Score™
70
Based on dock amenities, ocean access, and waterfront features
Dock Score is a DockOnly.com rating. Not provided by or affiliated with the MLS or listing broker.
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20%
$1,075,000 down
%
Principal & Interest$27,890/mo
Property Tax (est. 1.2%)$5,375/mo
Home Insurance (est.)$250/mo
HOA Fees$1,900/mo
Total Monthly Payment$35,415
Loan Amount: $4,300,000Rate: 6.75%
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Florida Keys — critical for tall/large vessels
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HOA Fee$5,700/Quarterly
Days on Market1