Homes, values and local insight for North Key Largo, Monroe County, Florida.
Reviewed and updated October 3, 2026 by Ryan and Megan Winslow, Winslow Homes
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North Key Largo is the northern end of Key Largo in Monroe County. Much of it is protected land. Crocodile Lake National Wildlife Refuge, established in 1980 off Card Sound Road (CR 905), covers 6,686 acres including 650 acres of open water. It shelters the American crocodile, the Key Largo woodrat and the Key Largo cotton mouse, and its natural areas are closed to the public.
Dagny Johnson Key Largo Hammock Botanical State Park holds one of the largest tracts of West Indian tropical hardwood hammock in the United States. It was built on land bought in 1982 after the collapse of Port Bougainville, a planned development of 15 hotels and more than 2,000 condos. It is open 8 a.m. to sundown every day.
Card Sound Road runs from CR 905 to the Card Sound Bridge, a toll causeway about 2,800 feet long that links Monroe County to Miami-Dade County.
A private, gated club community at the north end of Key Largo, with a marina, two 18 hole golf courses, a private airport and about a dozen restaurants and lounges inside the gates. Its first 9 hole golf course opened in 1955. source
Land around the botanical state park off CR 905 that was once planned as Port Bougainville and is now protected, which limits new building. source
Seafood · 58000 Card Sound Road, on the canal near Card Sound Bridge
A waterfront fish shack built in 1947 and known for conch fritters, smoked fish spread and Sunday afternoon live music. source
American seafood and breakfast · 99336 Overseas Highway, Key Largo
Open since 1976 and known for its Key lime pie and homestyle dishes. A second location is at 99020 Overseas Highway. source
Seafood · Mile marker 102.4, Key Largo
A seafood market and restaurant serving local catch, with Key lime pie on the menu. source
Italian · Mile marker 99.5, Key Largo
Italian comfort food including seafood linguini marinara and osso buco. source
Seafood · Mile marker 99.9, Sunset Cove, Key Largo
A dockside restaurant with lobster and shrimp cakes and a daily 4 to 6 p.m. happy hour. source
Southern seafood · Mile marker 97.8, Key Largo
Southern style seafood with conch meuniere and fried pink tomatoes. source
Breakfast and baked goods · Mile marker 95.7, Key Largo
A family run breakfast and lunch spot open since 1976, known for its Key lime muffin. source
35 Ocean Reef Drive, Key Largo
The private club lists shopping and a cultural center inside its gates, so access is for members and guests. source
Tropical hardwood hammock off CR 905 about a quarter mile north of US 1. Open 8 a.m. to sundown, with a $2.50 per person entrance fee listed on Wikipedia. source
A 6,686 acre federal refuge. The refuge office has a butterfly garden, but the natural areas are closed to protect listed species. source
A high-rise toll causeway about 2,800 feet long. A wooden swing bridge opened January 25, 1928 and the modern causeway opened in 1969. Tolling has been all-electronic since October 20, 2018. source
CR 905 joins US 1 on Key Largo about 8 miles southwest of its northern end. Card Sound Road (CR 905A) runs to the Card Sound Bridge and then to US 1 in Florida City.
$990,150 for a single-family home in Monroe County. FHA loans allow 3.5% down with a 580 credit score.
$832,750 for a single-family home. Above that, buyers use a jumbo loan. Megan Winslow structures both.
Owners who live in the home take up to $50,000 off the taxable value, and the Save Our Homes cap limits yearly increases in the assessed value to 3%. File with the Monroe County Property Appraiser by March 1.
Broker owner of Winslow Homes, REALTOR since 2009, U.S. Army Retired. Ryan Winslow lists and sells homes across North Key Largo and Monroe County and handles pricing, negotiation and the contract to closing.
Broker owner of Winslow Homes and a Mortgage Banker with The Federal Savings Bank. Megan Winslow helps North Key Largo and Monroe County buyers get pre-approved and closes the loan with the same team that negotiates the home.
Megan and Ryan Winslow have worked side by side for 17 years and sold more than 3,000 homes together. One team for the home search, the listing and the mortgage. Call or text 386-690-5858.
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Ryan and Megan price North Key Largo homes from recent sales, not guesses. Send your address and you get a free market analysis, with no obligation.
See the full Monroe County real estate guide or the Florida real estate guide.
North Key Largo is in Monroe County, Florida.
Look for a broker who knows North Key Largo sales and can explain the numbers. Ryan and Megan Winslow of Winslow Homes have 17+ years together, more than 3,000 homes sold, and lend in all 50 states with The Federal Savings Bank. Call or text 386-690-5858.
The 2026 FHA limit for a single-family home in Monroe County is $990,150, and the 2026 conventional limit is $832,750. Megan Winslow, a Mortgage Banker with The Federal Savings Bank, can pre-approve you for either.
Yes. North Key Largo and Crocodile Lake National Wildlife Refuge are in Monroe County.
The natural areas are closed to the public to protect listed species. The refuge office has a butterfly garden.
Tolling is all-electronic and Wikipedia lists about $1.50 with SunPass. The toll is waived when evacuating for a hurricane.
17 years, over 3,000 homes sold, and one team for the home and the loan. Call or text 386-690-5858.
Sources: U.S. Census Bureau 2024 population estimates and 2019 to 2023 American Community Survey; Zillow Home Value Index, August 2026. Numbers update as new data is released. Talk to Ryan and Megan for current sold prices on your street.
Get coming-soon homes, pocket listings and price drops in North Key Largo, FL before they hit the big home search sites.
17+ years together, more than 3,000 homes sold, and the mortgage handled by the same team.
