Largo Gardens Homes for Sale

Largo Gardens is a residential community in Key Largo, Florida. Active listings are currently priced from $295K–$600K.

Pure Equity Realty covers Largo Gardens and the Key Largo area. We list for 1%, which includes photography, MLS syndication, and negotiation support. Buyers pay nothing for representation. For current market data, see Florida Realtors' market statistics.

Our MLS feed shows 4 Largo Gardens Key Largo homes for sale as of October 2026. The median asking price is $370,000. Asking prices run from $335,000 to $600,000.

That is 57% below the Key Largo median of $859,000. On a per-foot basis, homes here ask about $386 per square foot, compared with $672 across Key Largo. So the median price buys roughly 950 square feet of living area.

Listings here have averaged 161 days on the market. That tracks the Key Largo average of 171 days, so pricing and terms follow the wider city market.

Homes listed in Largo Gardens date from 1971 to 1981. That puts them between 45 and 55 years old.

All of these homes predate Florida's 2002 statewide building code. So roof age, window protection and the wind mitigation report matter a great deal for insurance.

In addition, most Florida insurers ask for a four-point inspection on homes 30 years or older. It covers the roof, electrical, plumbing and HVAC. Updated systems usually make coverage easier to place.

Here is what the median Largo Gardens price means in Florida closing terms. At $370,000, a 20% down payment comes to about $74,000, leaving a loan near $296,000.

Florida then taxes that loan twice. First, documentary stamp tax on the note runs 35 cents per $100, or about $1,036. Next, the intangible tax of 0.2% adds about $592. Buyers normally pay both at closing.

On the seller side, Florida deed stamps cost 70 cents per $100 of price. At the Largo Gardens median, that is about $2,589.

Finally, owner-occupants should file for the Florida homestead exemption by March 1. It removes up to $50,000 of assessed value. After that, Save Our Homes caps yearly assessment increases at 3% or inflation, whichever is lower. To see what these numbers mean for your budget, get pre-approved before you tour.

Recent Largo Gardens listings show assignments to Key Largo (elementary), Key Largo (middle) and Coral Shores (high). However, boundaries can change each year, so confirm the assignment for a specific address with the county school district.