$729,000
SOLD SEP 18, 2024 RENTED MAY 4, 2025

Rock Harbor Club 97652 Overseas Hwy Unit 12 Key Largo, FL 33037

2 Beds
2.5 Baths
1,247 Sq Ft
$1,033/mo HOA Fee

Recently Sold

$585 Per Sq Ft

8% Below List Price

128 Days on Market

Highlights

  • Boat Dock
  • Beach
  • Sandy Beach
  • Coral Shores High School Rated A
  • Property fronts gulf or ocean
  • 1-minute walk to Schwingggg

About This Home

As of September 2024

Experience Breathtaking Views of Florida Bay and Beach from this 2-bedroom, 2 1/2-bathroom end unit condo offering plenty of natural light. Relax on your private balcony, immersing yourself in the bay views and gentle breezes. The kitchen showcases modern updates, including sleek granite countertops, sophisticated wood cabinetry, and stainless-steel appliances. The open-concept floor plan seamlessly connects the kitchen to the spacious living area, ideal for entertaining guests. Wake up to stunning bay vistas in the extended owner's suite, offering ample space for a cozy sitting area or convenient home office setup. The split bedroom floor plan provides you with a peaceful retreat. Experience the charm of The Rock Harbor Club in Key Largo, nestled on nearly 14 acres of lush natural landscape and offering a myriad of amenities. Indulge in relaxation at the heated and chilled pool or make the most of your leisure time on the tennis and pickleball courts, basketball court, or bocce ball area. Launch your kayak or paddleboard effortlessly. The Bay-front clubhouse is a hub of amenities, boasting WIFI, TV, movies, a full kitchen, gym facilities, restrooms, showers, and saunas. Boating enthusiasts will appreciate the convenience of in & out service dry rack storage and dockage in the sheltered basin. Unwind on the sandy beach, gather around the fire pit, and marvel at the breathtaking sunsets each day. Immerse yourself in the quintessential Florida Keys lifestyle at its finest!

Last Agent to Sell the Property

Terri Bodker

LoKation Real Estate License #3049661 Listed on: 04/02/2024

LoKation Real Estate

Property Details

Home Type

  • Condominium

Est. Annual Taxes

  • $5,143

Year Built

  • Built in 1975 | Remodeled

Lot Details

  • Sandy Beach
  • Privacy Fence
  • Fenced

HOA Fees

  • $1,033 Monthly HOA Fees

Property Views

Home Design

  • Pre-Cast Concrete Construction

Interior Spaces

  • 1,247 Sq Ft Home
  • Furnished
  • Ceiling Fan
  • Blinds
  • Sliding Doors

Kitchen

  • Oven
  • Range
  • Microwave
  • Dishwasher
  • Stainless Steel Appliances
  • Granite Countertops

Flooring

  • Carpet
  • Tile

Bedrooms and Bathrooms

  • 2 Bedrooms

Laundry

  • Laundry Room
  • Dryer
  • Washer

Home Security

Parking

  • 4 Parking Spaces
  • Electric Gate
  • Guest Parking
  • Off-Street Parking

Pool

Outdoor Features

  • First Come-First Served Dock
  • Dock Facilities
  • Dock made with concrete
  • Screened Balcony
  • Exterior Lighting
  • Rain Gutters

Utilities

  • Central Heating and Cooling System
  • Public Hookup Available For Sewer
  • Cable TV Available

Listing and Financial Details

  • Minimum Rental Period: 28
  • Assessor Parcel Number 00090962-001200

Community Details

Overview

  • Association fees include cable, security, common area mnt, building insurance, bldg exterior mnt, water, exterminating, sewer
  • 91 Units
  • Rock Harbor Condo Subdivision
  • The community has rules related to deed restrictions
  • Rental Restrictions

Amenities

  • Clubhouse

Recreation

  • Beach
  • Bike Trail

Pet Policy

  • Pet Restriction: 1 under 15 lbs

Security

  • Resident Manager or Management On Site
  • Complete Accordion Shutters
  • Impact Glass

Property Details

Home Type

Condominium

Est. Annual Taxes

$5,143

Year Built

Built in 1975 | Remodeled

Lot Details

0

HOA Fees

$1,033 per month

Listing Details

  • Property Type: Residential
  • Style: Condo
  • As Is Right To Inspect: Yes
  • First Right of Refusal: No
  • Association Approval Required: Yes
  • Association Fee: 1033.00
  • Mandatory HOA: Yes
  • Control Depth: 3
  • Dockage Dock: Concrete
  • Dockage Dock Length: 410
  • Document Count: 1
  • Fee Includes: Cable, Other, Security, Common Area Mnt, Building Insurance, Bldg Exterior Mnt, Water, Exterminating, Sewer
  • Key Island: Key Largo
  • Limited Representation: No
  • Marathon Neighborhood: N/A
  • Mile Marker: 97.50
  • Min Rental Days: 28.00
  • M L S Identifier: 20060123165453488875000000
  • Neighborhood Feature: Community Pool, Bike Paths, Other Area Features, Beach, Fire Hydrant, Manager on Premises, Tennis Courts, Clubhouse, Community Dockage
  • Pets W Restrictions: 1 under 15 lbs
  • Property Group I D: 19990816212109142258000000
  • Sale Terms: Conventional
  • Side: Bay/Gulf
  • State Province: FL
  • Taxes: 5142.91
  • Vehicle Storage: Guest Parking, Off Street Parking
  • Vehicle Storage Cars: 4+
  • Year Built: 1975
  • Alternate Key Number: 1104159
  • Cooling Heating: Central Air, Ceiling Fans(s)
  • Pool Info: In Ground, Decked, Concrete
  • Pool Info Heated: Yes
  • Porch Balcony: Screened P/B
  • Association Maintenance Fee Per: Monthly
  • Association Info Condo Docs: Yes
  • Shutters: Accordion
  • Tax Exemptions: None
  • Building Style Above Flood: Yes
  • Building Style Stories: 2 Stories
  • Estimated Living Sq Ft: 1247.00
  • Pool Info Other: Chilled
  • Pool Info Other Surroundings: YES
  • Pre Wired: Cable
  • Pre Wired Other: Internet
  • Property Condition: Updated/Remodeled
  • Sewer Hook Up: Yes
  • Unit Complex: Unit
  • Statistical Purposes Only: No
  • Special Features: None
  • Property Sub Type: Condos
  • Stories: 2

Interior Features

  • Interior Amenities: Drapes/Blinds Incl, Window Treatments, Granite Counter Top, Pantry
  • Floor Number: 2.00
  • Total Bathrooms: 3.00
  • Full Bathrooms: 2
  • Appliances: Washer, Stainless Steel Appliance(s), Microwave, Oven, Range, Refrigerator, Dishwasher, Dryer
  • Floor: Tile, Carpet
  • Half Bathrooms: 1
  • Specialty Rooms: Laundry Room
  • Windows/Doors: Sliding Glass Doors, Impact Rstnce Window
  • Total Bedrooms: 2
  • Sq Ft Remarks: Owners suite is extended

Exterior Features

  • Dockage: Dock Privileges, Basin, First Come Dock
  • Waterfront: Bay Front, Open Water, Gulf Front
  • Waterfront: Yes
  • Construction: CBS, Concrete
  • Exterior Features: Fencing, Tennis Court(s), Sandy Beach, Privacy Wall/Fence, Outdoor Shower, Lighting, Rain Gutters
  • Roof: Combo Roof, Other Roof
  • Waterview: Bay/Gulf View, Harbor/Marina View, Open Water View
  • Pool: Yes

Utilities

  • Security: Electric Gate
  • Utilities: FKAA
  • Heating: Central

Lot Info

  • Deed Restrictions: Yes
  • Flood Zone: X,AE,VE,AE,0.2 PCT A
  • Parcel Number: 00090962-001200
  • Land Size: 10 or more Acres
  • Acres: 14.00

Rental Info

  • Rentals Allowed: With Restrictions
  • Furnished: Furnished

Tax Info

  • Tax Year: 2023

Multi Family

  • Total Units: 91.00

Ownership History

Date Name Owned For Owner Type

Purchase Details

Closed on
Feb 9, 2021
Sold by
Tilton Jacquelyn C
Bought by
Tilton Jacquelyn C and Meyer Marilyn D
Current Estimated Value
$746,028

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$234,000
Outstanding Balance
$211,496
Interest Rate
2.65%
Mortgage Type
New Conventional
Estimated Equity
$534,532

Purchase Details

Listed on
Aug 13, 2017
Closed on
May 4, 2018
Sold by
Heller Margaruitte E and Heller Erich E
Bought by
Tilton Jacquelyn C
Seller's Agent
Terri Bodker
LoKation Real Estate
Buyer's Agent
Jeannine Cook
Century 21 Circle
List Price
$392,000
Sold Price
$355,000
Premium/Discount to List
-$37,000
-9.44%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
10.80%
Original Mortgage
$235,000
Interest Rate
4.45%
Mortgage Type
New Conventional

Purchase Details

Listed on
Aug 13, 2017
Closed on
May 1, 2018
Sold by
Heller Margaruitte E and Heller Erich E
Bought by
Tilton Jacquelyn C
Seller's Agent
Terri Bodker
LoKation Real Estate
Buyer's Agent
Jeannine Cook
Century 21 Circle
List Price
$392,000
Sold Price
$355,000
Premium/Discount to List
-$37,000
-9.44%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$235,000
Interest Rate
4.45%
Mortgage Type
New Conventional

Purchase Details

Listed on
Oct 1, 2014
Closed on
Jun 12, 2015
Sold by
Morris Henry
Bought by
Heller Margaruitte and Heller Erich E
Seller's Agent
Adam Kutner
Grove Town Properties
Buyer's Agent
Ellie Donofrio
LoKation Real Estate
List Price
$349,900
Sold Price
$342,500
Premium/Discount to List
-$7,400
-2.11%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
1.25%
Original Mortgage
$325,375
Interest Rate
3.88%
Mortgage Type
New Conventional

Purchase Details

Listed on
Oct 3, 2013
Closed on
Dec 24, 2013
Sold by
Milanese Gary P
Bought by
Henry Morris
Seller's Agent
Terri Bodker
LoKation Real Estate
Buyer's Agent
Terri Bodker
Ocean Bay Realty of the Keys
List Price
$359,000
Sold Price
$327,025
Premium/Discount to List
-$31,975
-8.91%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
3.38%

Purchase Details

Closed on
May 6, 2005
Sold by
Braid Fred L and Braid Julie A
Bought by
Milanese Gary P

Purchase Details

Closed on
Jul 20, 2000
Sold by
Hillend David V and Hillend Lois M
Bought by
Braid Fred L and Braid Julie A

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$92,720
Interest Rate
8.3%
Mortgage Type
New Conventional

Purchase Details

Closed on
Apr 5, 1999
Sold by
Preston Boyd A Preston and Preston Deborah J
Bought by
Hillend David V and Hillend Lois M

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$92,720
Interest Rate
6.82%
Mortgage Type
New Conventional

Purchase Details

Closed on
Jul 1, 1989
Bought by
Heller Margaruitte and Heller Erich E

Purchase Details

Closed on
Jun 1, 1977
Bought by
Heller Margaruitte and Heller Erich E
Source: Public Records

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Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Interfamily Deed Transfer -- Absolute First Title Llc
Warranty Deed $355,000 Absolute First Title
Warranty Deed $355,000 Absolute First Title
Warranty Deed $342,500 Sunshine Title Of Keys Inc
Warranty Deed $317,500 Entitle Insurance Company
Warranty Deed $495,000 Century Title Corporation
Warranty Deed $165,000 --
Warranty Deed $115,900 --
Warranty Deed $115,000 --
Deed $59,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $234,000 New Conventional
Closed $235,000 New Conventional
Closed $235,000 New Conventional
Previous Owner $325,375 New Conventional
Previous Owner $92,720 New Conventional
Previous Owner $92,720 New Conventional
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
05/04/2025 05/04/25 Rented $3,000 0.0% --
04/09/2025 04/09/25 Under Contract -- -- --
04/04/2025 04/04/25 Price Changed $3,000 -14.3% $3 / Sq Ft
03/10/2025 03/10/25 For Rent $3,500 0.0% --
09/18/2024 09/18/24 Sold $729,000 -2.8% $585 / Sq Ft
05/08/2024 05/08/24 Price Changed $750,000 -5.7% $601 / Sq Ft
04/02/2024 04/02/24 For Sale $795,000 +28.2% $638 / Sq Ft
02/01/2024 02/01/24 Sold $620,000 -11.3% $549 / Sq Ft
01/04/2024 01/04/24 Pending -- -- --
11/14/2023 11/14/23 For Sale $699,000 0.0% $619 / Sq Ft
11/12/2023 11/12/23 Rented $3,400 -2.9% --
10/02/2023 10/02/23 For Rent $3,500 0.0% --
05/01/2018 05/01/18 Sold $355,000 -9.4% $314 / Sq Ft
03/17/2018 03/17/18 Pending -- -- --
08/13/2017 08/13/17 For Sale $392,000 +14.5% $347 / Sq Ft
06/12/2015 06/12/15 Sold $342,500 -2.1% $303 / Sq Ft
03/20/2015 03/20/15 Pending -- -- --
10/01/2014 10/01/14 For Sale $349,900 +7.0% $310 / Sq Ft
01/21/2014 01/21/14 Sold $327,025 -8.9% $289 / Sq Ft
12/03/2013 12/03/13 Pending -- -- --
10/03/2013 10/03/13 For Sale $359,000 -- $318 / Sq Ft
Source: Florida Keys Board of REALTORS®

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $3,034 $354,957 -- --
2023 $3,034 $344,619 $0 $0
2022 $2,867 $334,582 $0 $0
2021 $2,900 $324,837 $0 $324,837
2020 $2,879 $320,353 $0 $320,353
2019 $2,823 $313,151 $0 $313,151
2018 $2,589 $280,268 $0 $0
2017 $2,533 $274,504 $0 $0
2016 $2,561 $268,858 $0 $0
2015 $1,988 $197,656 $0 $0
2014 $2,817 $243,992 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Florida Keys Board of REALTORS®

MLS Number: 609427

Florida Keys Board of REALTORS®

APN: 00090965-001200