Pirates Cove Homes for Sale

Pirates Cove is a residential community in Key Largo, Florida.

Pure Equity Realty covers Pirates Cove 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 2 Pirates Cove Key Largo homes for sale as of October 2026. The median asking price is $639,000.

That is 26% below the Key Largo median of $859,000. On a per-foot basis, homes here ask about $913 per square foot, compared with $672 across Key Largo. So the median price buys roughly 700 square feet of living area. With so few listings, though, treat these figures as a snapshot rather than a trend.

Listings here have averaged 40 days on the market. That is faster than the Key Largo average of 171 days. As a result, buyers here should be ready to write an offer soon after a showing.

Homes listed in Pirates Cove date from 1966, so they are about 60 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 Pirates Cove price means in Florida closing terms. At $639,000, a 20% down payment comes to about $128,000, leaving a loan near $511,000.

Florida then taxes that loan twice. First, documentary stamp tax on the note runs 35 cents per $100, or about $1,789. Next, the intangible tax of 0.2% adds about $1,022. Buyers normally pay both at closing.

On the seller side, Florida deed stamps cost 70 cents per $100 of price. At the Pirates Cove median, that is about $4,473.

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 Pirates Cove 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.