$870,000
SOLD MAY 27, 2025

Rock Harbor Club 97652 Overseas Hwy Unit 25 Key Largo, FL 33037

2 Beds
2 Baths
1,120 Sq Ft
$1,086/mo HOA Fee

Recently Sold

$777 Per Sq Ft

2% Below List Price

49 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 May 2025

Open Water Views ..NEW-Kitchen- New-Flooring New-Bathroom & Custom Doors....Complete stunning interior renovations Bayfront Beach Views... 2 bed/2 bath condo in Key Largo offers expansive open bay views, a wide sandy beach, bayfront clubhouse, boat storage barn, pool, tennis courts and acres of shady tree-lined streets and paths throughout the community. Rock Harbor Club's Harbor House condo is known for its multi-million dollar views, nightly sunsets, and the peace and quiet you expect in the Florida Keys! This second floor condo offers single level living (no stairs), and 32 feet of glass patio sliders to frame the Florida Bay view. The unit also offers a large primary bedroom with end suite bathroom and walk-in closet, plus a comfortable guest bedroom with a large wall closet, full bath, washer/dryer, and an enormous hall storage/pantry closet. The screened in patio provides a spacious outdoor living area, and the exterior landscaping provides a feeling of a peace and privacy rarely felt in a condo. Community amenities include a clubhouse with a full kitchen, TV, reading/lounging area, sauna, and a gas fire pit to enjoy sunsets with friends. There's also paddle board and kayak storage, bike racks, boat dockage (check for specific availability and restrictions; 21' space available now) up to 26'6' LOA with fork lift service to the dry storage boat racks, plenty of parking, and a serene location. This turn-key property is super clean and close to many local restaurants, luxury resorts, easy shopping, and ready to enjoy the Keys lifestyle.

Last Agent to Sell the Property

Thomas Magaldi

LPT Realty, LLC License #3303455 Listed on: 02/12/2025

LPT Realty, LLC

Last Buyer's Agent

Terri Bodker

Ocean Bay Realty of the Keys

Property Details

Home Type

  • Condominium

Est. Annual Taxes

  • $7,350

Year Built

  • Built in 1975 | Remodeled

Lot Details

  • Sandy Beach
  • Privacy Fence
  • Fenced

HOA Fees

  • $1,086 Monthly HOA Fees

Property Views

Home Design

  • Metal Roof

Interior Spaces

  • 1,120 Sq Ft Home
  • 5-Story Property
  • Bar
  • Ceiling Fan
  • Casement Windows
  • Sliding Doors
  • Storage
  • Dryer
  • Marble Flooring

Kitchen

  • Oven
  • Microwave
  • Freezer
  • Dishwasher
  • Wine Cooler
  • Stainless Steel Appliances
  • Granite Countertops
  • Built-In or Custom Kitchen Cabinets
  • Disposal

Bedrooms and Bathrooms

  • 2 Bedrooms
  • Walk-In Closet
  • 2 Full Bathrooms

Home Security

Parking

  • Guest Parking
  • Open Parking
  • Assigned Parking

Accessible Home Design

  • Accessible Elevator Installed
  • Accessible Kitchen
  • Handicap Accessible

Eco-Friendly Details

  • ENERGY STAR/CFL/LED Lights

Pool

  • Concrete Pool
  • In Ground Pool

Outdoor Features

  • Boat Slip
  • Assigned Dock
  • Dock made with concrete
  • Screened Balcony
  • Screened Patio
  • Gazebo
  • Tiki or Chickee Hut

Utilities

  • Central Air
  • Public Hookup Available For Sewer
  • Cable TV Available

Community Details

Overview

  • Association fees include cable, security, common area mnt, building insurance, bldg exterior mnt, water, sewer
  • 91 Units
  • Rock Harbor Condo Subdivision
  • Rental Restrictions

Amenities

  • Clubhouse

Recreation

  • Beach
  • Bike Trail
  • Tennis Courts

Pet Policy

  • Pet Restriction: YES

Security

  • Complete Accordion Shutters
  • Fire and Smoke Detector
  • Fire Sprinkler System

Property Details

Home Type

Condominium

Est. Annual Taxes

$7,350

Year Built

Built in 1975 | Remodeled

Lot Details

0

HOA Fees

$1,086 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: 1086.00
  • Mandatory HOA: Yes
  • Dockage Dock: Concrete
  • Fee Includes: Cable, Security, Common Area Mnt, Building Insurance, Bldg Exterior Mnt, Water, Sewer
  • Handicap Access: Yes
  • Key Island: Key Largo
  • Limited Representation: No
  • Marathon Neighborhood: N/A
  • Mile Marker: 97.50
  • M L S Identifier: 20060123165453488875000000
  • Neighborhood Feature: Community Pool, Bike Paths, Beach, Fire Hydrant, Handicap Facilities, Clubhouse, Community Dockage
  • Off Shore Island: No
  • Pets W Restrictions: YES
  • Property Group I D: 19990816212109142258000000
  • Sale Terms: Cash
  • Side: Bay/Gulf
  • State Province: FL
  • Taxes: 7350.00
  • Vehicle Storage: Assigned Parking, Guest Parking, Open Parking
  • Year Built: 1975
  • Alternate Key Number: 1104655
  • Cooling Heating: Central Air, Ceiling Fans(s)
  • Lot Sq Ft: 10.00
  • Pool Info: In Ground, Concrete
  • Porch Balcony: Open Porch/Balcony, Screened Patio, Screened P/B
  • Association Maintenance Fee Per: Monthly
  • Shutters: Accordion
  • Species List: No
  • Tax Exemptions: None
  • Building Style Above Flood: Yes
  • Building Style Stories: 5 Stories
  • Estimated Living Sq Ft: 1120.00
  • Pre Wired: Cable
  • Financial Status Standard Sale: Yes
  • G F Interior Features: LED Lighting
  • Property Condition: Updated/Remodeled
  • Sewer Hook Up: Yes
  • Unit Complex: Complex
  • Statistical Purposes Only: No
  • Special Features: None
  • Property Sub Type: Condos
  • Stories: 5

Interior Features

  • Interior Amenities: Pantry, Bar, Window Treatments, Walk-in Closet(s), Storage, Smoke Alarms, Fire Sprinkler, Elevator, Granite Counter Top, Built-in Cabinets
  • Total Bathrooms: 2.00
  • Full Bathrooms: 2
  • Appliances: Dryer, Stainless Steel Appliance(s), Wine Cooler, Freezer, Disposal, Microwave, Oven, Refrigerator, Dishwasher
  • Floor: Marble
  • Windows/Doors: Glass Doors, Casement, Sliding Glass Doors
  • Total Bedrooms: 2
  • Accessibility Features: Accessible Elevator Installed, Accessible Kitchen

Exterior Features

  • Dockage: Assigned Dock, Boat Slip
  • Waterfront: Bay Front, Open Water, Gulf Front
  • Waterfront: Yes
  • Construction: CBS
  • Exterior Features: Chickee Hut, Tennis Court(s), Sandy Beach, Privacy Wall/Fence, Gazebo, Fencing
  • Roof: Metal Roof
  • Waterview: Bay/Gulf View, Harbor/Marina View, Open Water View
  • Pool: Yes

Utilities

  • Utilities: FKAA, Municipal Sewer

Lot Info

  • Deed Restrictions: No
  • Land Size: 10 or more Acres

Rental Info

  • Rentals Allowed: With Restrictions
  • Furnished: Unfurnished

Tax Info

  • Tax Year: 2024

Multi Family

  • Total Units: 91.00

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Feb 12, 2025
Closed on
May 27, 2025
Sold by
Mahony Kenneth C and Mahony Raquel D
Bought by
Chesnes Gerard and Chesnes Shari
Seller's Agent
Thomas Magaldi
LPT Realty, LLC
Buyer's Agent
Terri Bodker
Ocean Bay Realty of the Keys
List Price
$885,000
Sold Price
$870,000
Premium/Discount to List
-$15,000
-1.69%
Views
57
Current Estimated Value
$863,205

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$6,795
Avg. Annual Appreciation
-2.04%

Purchase Details

Listed on
Jul 19, 2022
Closed on
Nov 18, 2022
Sold by
Moffitt Gregory P and Moffitt Regina A
Bought by
Mahony Kenneth C and Mahony Raquel D
Seller's Agent
Brett Newman
Coldwell Banker Schmitt Islamorada
Buyer's Agent
Thomas Magaldi
Coastal Real Estate Professionals, LLC
List Price
$799,000
Sold Price
$775,000
Premium/Discount to List
-$24,000
-3%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
4.68%
Original Mortgage
$581,250
Interest Rate
6.94%
Mortgage Type
New Conventional

Purchase Details

Closed on
Nov 22, 2005
Sold by
Benedix Robert H
Bought by
Moffitt Gregory P and Moffitt Regina A

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$624,000
Interest Rate
6.25%
Mortgage Type
Fannie Mae Freddie Mac

Purchase Details

Closed on
Nov 22, 2002
Sold by
Peraza Henry J
Bought by
Benedix Robert H

Purchase Details

Closed on
Jun 17, 1998
Sold by
Karen Charles and Karen Throckmorton
Bought by
Peraza Henry

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$10,000
Interest Rate
7.14%
Mortgage Type
Credit Line Revolving

Purchase Details

Closed on
Jun 1, 1998
Bought by
Moffitt Gregory P and Moffitt Regina A

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$10,000
Interest Rate
7.14%
Mortgage Type
Credit Line Revolving

Purchase Details

Closed on
Jun 16, 1997
Sold by
Clements Nancy D
Bought by
Clements Iii Tr Charles L

Purchase Details

Closed on
Jul 1, 1992
Bought by
Moffitt Gregory P and Moffitt Regina A

Purchase Details

Closed on
Aug 1, 1985
Bought by
Moffitt Gregory P and Moffitt Regina A

Purchase Details

Closed on
Apr 1, 1981
Bought by
Moffitt Gregory P and Moffitt Regina A

Purchase Details

Closed on
Dec 1, 1978
Bought by
Moffitt Gregory P and Moffitt Regina A
Source: Public Records

Range of Values:

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Average Value
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List Price
Sold Price
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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
Warranty Deed $870,000 None Listed On Document
Warranty Deed $870,000 None Listed On Document
Warranty Deed $775,000 Florida Title
Warranty Deed $780,000 Island Acquisition Title Co
Warranty Deed $382,500 --
Warranty Deed $87,500 --
Warranty Deed $87,500 --
Warranty Deed $175,000 --
Quit Claim Deed $100 --
Warranty Deed $135,000 --
Warranty Deed $160,000 --
Warranty Deed $150,000 --
Deed $91,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $581,250 New Conventional
Previous Owner $624,000 Fannie Mae Freddie Mac
Previous Owner $10,000 Credit Line Revolving
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
05/27/2025 05/27/25 Sold $870,000 -1.4% $777 / Sq Ft
02/23/2025 02/23/25 Price Changed $882,000 -0.3% $788 / Sq Ft
02/12/2025 02/12/25 For Sale $885,000 +14.2% $790 / Sq Ft
11/16/2022 11/16/22 Sold $775,000 -3.0% $694 / Sq Ft View Prior Sale
10/11/2022 10/11/22 For Sale $799,000 0.0% $716 / Sq Ft
10/10/2022 10/10/22 Pending -- -- --
08/12/2022 08/12/22 Price Changed $799,000 -9.1% $716 / Sq Ft
07/19/2022 07/19/22 For Sale $879,000 -- $788 / Sq Ft
Source: Marathon and Lower Keys Association 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 $5,573 $631,720 -- $631,720
2023 $5,573 $623,710 $0 $623,710
2022 $4,353 $519,471 $0 $519,471
2021 $4,046 $426,210 $0 $426,210
2020 $3,828 $396,786 $0 $396,786
2019 $3,618 $370,533 $0 $370,533
2018 $3,595 $370,533 $0 $0
2017 $3,384 $358,316 $0 $0
2016 $3,114 $292,833 $0 $0
2015 $3,014 $274,522 $0 $0
2014 $3,368 $305,024 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • Thomas Magaldi

    Seller's Agent in 2025

    Thomas Magaldi

    LPT Realty, LLC

    (772) 919-1006

    38 in this area

    93 Total Sales

    Thomas Magaldi
    Section Image

  • T

    Buyer's Agent in 2025

    Terri Bodker

    Ocean Bay Realty of the Keys

  • Brett Newman

    Seller's Agent in 2022

    Brett Newman

    Coldwell Banker Schmitt Islamorada

    (305) 393-1770

    14 in this area

    105 Total Sales

    Brett Newman
    Section Image

  • L

    Seller Co-Listing Agent in 2022

    Lisa Karp

    LoKation Real Estate

    (954) 545-5583

    6 in this area

    46 Total Sales

    Lisa Karp
    Section Image
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About Rock Harbor Club

Map

Source: Marathon and Lower Keys Association of REALTORS®

MLS Number: 613680

APN: 00090966-001000

Florida Monroe County Key Largo 33037

97652 Overseas Hwy Unit 25, Key Largo, FL

This home is located at 97652 Overseas Hwy Unit 25, Key Largo, FL 33037 and is currently priced at $870,000, approximately $776 per square foot. This property was built in 1975. 97652 Overseas Hwy Unit 25 is a home located in Monroe County with nearby schools including Key Largo School, Coral Shores High School, and Dolphin Montessori Children's House.

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

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