Monroe County, Florida
Sell your land in Key Largo for cash
Parcel Buyers buys vacant lots and land for cash in Key Largo, an unincorporated part of Monroe County where the county, not a city, issues building permits. You get a written, no-obligation cash offer within 24 hours, and closings run through an independent title company, typically in about 10 days, with no fees or commissions.
By Parcel Buyers · · Lot figures from the 2026 Florida property tax roll · How we made this page
Quick answers
- Who buys land for cash in Key Largo?
- Parcel Buyers is a direct land buyer that makes written, no-obligation cash offers on vacant lots and acreage in Key Largo, Monroe County, usually within 24 hours. Sales close through an independent title company, typically in about 10 days, with no fees or commissions to the seller.
- What did vacant lots in Key Largo sell for in 2025?
- In 2025, vacant lots in Key Largo sold for a median of $302,200 across 20 arm's-length sales; the middle half sold for $248,100 to $347,500.
- How many vacant lots are in Key Largo?
- The 2026 Florida property tax roll lists 1,578 vacant residential lots in Key Largo; 27% are patio-home lots, and the median lot is 0.15 acre.
- How is a cash offer for land in Key Largo set?
- We start from recent sales of similar lots nearby, like the 2025 prices on this page, then adjust for water and sewer, road access, flood zone, lot size and any title issues, and for the time and cost of reselling. You get one written number, not a range.
- How do I know a land buyer in Key Largo is legitimate?
- A real buyer closes through an independent, licensed title company and never asks you to pay anything up front. We never charge sellers a fee, deposit or closing-cost advance, and the title company pays you by check or wire at closing.
- Who is buying lots in Key Largo?
- In 2025, companies bought 45% of the vacant lots that sold in Key Largo, including 5% bought by homebuilders. Individuals bought the rest.
- Are vacant lot prices in Key Largo going up or down?
- Vacant lot prices in Key Largo were roughly flat (-2.5%): the median moved from $310,000 across 35 recorded sales in 2024 to $302,200 across 20 recorded sales in 2025. These are recorded sales, not list prices. From January to June 2026, 43 vacant lots in Monroe County sold at a recorded median of $268,000. This is county-level data used for Key Largo.
- Are vacant lots in Key Largo in a FEMA high-risk flood zone?
- About 82.4% of vacant lots in Key Largo have their center point in a FEMA high-risk flood zone (effective maps dated February 18, 2005 to September 11, 2009). This is map screening, not a determination; check FEMA's Map Service Center for your parcel.
- How many vacant lots in Key Largo got a home on the tax roll in 2025?
- 61 vacant lots in Key Largo changed from vacant-residential use to a home with new-construction evidence on the 2026 preliminary tax roll.
Local data
Key Largo land at a glance
Tax-roll figures cover parcels whose property address city is Key Largo in Monroe County. Local rules and services are sourced below.
| Vacant residential lots | 1,578 parcels classified vacant residential on the 2026 tax roll [1] |
|---|---|
| Most common lot size | Patio-home lot (5,000–7,000 sq ft): 27% of vacant lots; next, acreage tract (10+ acres) at 25%. Median lot: 0.15 acre (6,600 sq ft). [1] |
| Typical assessed value | $231,800 median just (market) value for a vacant lot; the middle half fall between $109,700 and $299,600 [1] |
| Recent lot sale prices | $302,200 median across 20 arm's-length sales of vacant lots in Key Largo (Jan 2025–Dec 2025); the middle half sold for $248,100–$347,500 [1] |
| Who bought lots in 2025 | Companies made 45% of those purchases, including 5% by homebuilders; individuals made the rest [1] |
| Owners who live elsewhere | 12% of vacant lots have an owner mailing address outside Florida (most often NY, MI, NJ) [1] |
| Not a city | Key Largo is not a city. Monroe County issues building permits from the Murray Nelson Government and Cultural Center at 102050 Overseas Highway. [2],[3],[4] |
| Wastewater district boundary | The Key Largo Wastewater Treatment District was created in 2002. It operates from mile marker 91 to 106 and south on County Road 905. Its 2025 assessment excludes Ocean Reef and specified land north of Summerland Road and Charlemagne Boulevard. [5],[6] |
| Monthly sewer rate through Sept. 2026 | Customers pay $30.60 a month per EDU, plus $4.80 per 1,000 gallons, from October 1, 2025 through September 30, 2026. The water utility adds that charge to the water bill. One EDU is 167 gallons a day. [7] |
| 2025 system development charge | A vacant lot initially gets the one-home system development fee: $2,865 for the plant, $1,686 for the pipe, and $3,489 for connection, or $8,040. The 2025 resolution uses 2.590 percent annual interest to calculate the non-ad valorem assessment. [6] |
| Drinking water and meter fees | Florida Keys Aqueduct Authority pumps drinking water about 130 miles from Florida City and boosts pressure in Key Largo. As of October 1, 2025, a 5/8-inch meter has a $24.74 monthly base and a $5,279 system development charge. [8],[9] |
| County floodplain | All of Monroe County is in a floodplain. Base flood elevations run from 6 to 17 feet above mean sea level. Residential flood policies in the unincorporated county get a 25 percent Community Rating System discount. [10] |
| Sewer required where it is available | The county health department says central sewer is almost universal in the Florida Keys and connection is required where sewer is available. Septic systems that remain must be performance-based treatment systems. [12] |
| Crocodile Lake National Wildlife Refuge | Crocodile Lake National Wildlife Refuge covers 6,700 acres on North Key Largo, including about 650 acres of open water. Its boundaries include U.S. 1, County Road 905, and Card Sound Road. Habitats include hardwood hammock, mangrove forest, and salt marsh. [15] |
| Lot sales, 2025 vs 2024 | 2025: 20 recorded sales, $302,200 median; 2024: 35 recorded sales, $310,000 median. Median -2.5%; count -42.9%. [1] |
| Vacant lots that got a home on the tax roll in 2025 | 61 recorded with new-construction evidence. [1] |
| Years of lot supply at the 2025 building pace | 25.9 years; simple ratio, not a forecast. [1] |
| Owner-type shares | Individuals 63.4%; companies 27.3%; trusts 7.0%; estates/heirs 0.2%; government/associations 2.0%. [1] |
| 2026 so far (Jan-Jun) | County-level for Monroe County: 43 recorded vacant-lot sales; median $268,000. [1] |
| FEMA high-risk flood-zone screen | About 82.4% of vacant lots in Key Largo have their center point in a FEMA high-risk flood zone (effective maps dated February 18, 2005 to September 11, 2009). This is map screening, not a determination; check FEMA's Map Service Center for your parcel. |
| Springs BMAP small-lot screen | About 0% of located vacant lots in Key Largo are 1 acre or less and have their center point in an adopted Florida springs BMAP. |
Pricing
What is a lot in Key Largo worth?
In 2025, vacant lots in Key Largo sold for a median of $302,200 across 20 arm's-length sales; the middle half sold for $248,100 to $347,500. [1]
These are open-market sale prices. A direct cash offer is usually lower, because a cash buyer closes in days and takes on the time and cost of reselling the lot.
See what similar lots sold for
What moves the price in Key Largo
The sewer hookup charge is set per home, not per acre
A vacant one-home lot starts at an $8,040 system development charge under the 2025 assessment. That charge is $2,865 for plant capacity, $1,686 for the force-main pipe, and $3,489 for connection. The resolution initially assigns a vacant parcel the same one EDU as a residential parcel with one dwelling, subject to adjustment after development is permitted. An owner may prepay the adjusted amount or pay a non-ad valorem assessment on the county tax bill. For assessments levied in 2025, the annual interest rate used in that calculation is 2.590 percent. After the property becomes a customer, the monthly base is $30.60 per EDU through September 30, 2026, plus $4.80 per 1,000 gallons, collected on the water bill. An EDU equals 167 gallons a day. A force main next to a parcel does not by itself establish availability; the district makes that determination. [6],[7]
Flood elevation changes building requirements
Monroe County says the whole county is in a floodplain, and base flood elevations run from 6 to 17 feet above mean sea level. The county building department reviews permits for floodplain compliance. Unincorporated Key Largo receives a 25 percent Community Rating System discount on residential National Flood Insurance Program policies. That insurance discount does not change the mapped base flood elevation, so the parcel's flood information still matters to a future building plan. [10],[3],[4]
Lot records show a small median size
The median vacant lot is 0.15 acres, about 6,600 square feet. The largest size group is patio-home lots, at 27% of vacant residential lots, and that is not a majority. Those roll figures describe size, not buildability. Parcel-level questions include wastewater availability, aqueduct connection charges, flood review, and a residential permit allocation. John Pennekamp Coral Reef State Park is the country's first undersea park, covers about 72 nautical square miles, and has its entrance on U.S. 1 at mile marker 102.5. [1],[11]
2025 sales are a reference point, not a parcel price
The median recorded price for vacant lots in the 2025 set was $302,200. That set has 20 arm's-length, one-parcel sales of lots that were still vacant on January 1, 2026, and the middle half sold for $248,100–$347,500. It is a small group, so one unusual lot can move the median. The tax roll's median just value is $231,800, and the middle half of those tax values runs $109,700–$299,600. Just value is a tax-roll figure, not a cash offer. A parcel review also has to check its sewer assessment, water connection charge, flood information, and residential allocation requirements. [1],[6],[9],[10],[14]
Common situations
Selling land in Key Largo in these situations
The lot has no water or sewer hookup yet
Yes. You can sell a lot that is not connected. We buy vacant lots and land for cash, including lots with no water, sewer, or road work. The wastewater district decides whether service is available, and a nearby force main is not the same thing as a connection. Where central sewer is available, the county health department says the property must connect, and the septic systems still left in the Keys have to be performance-based. Drinking water comes from the aqueduct, but a new 5/8-inch meter carries its own $5,279 system development charge. We check utilities, access, and title on every parcel before offering. The only contingency is our land inspection, and a failed inspection costs the seller nothing. [7],[12],[9]
You inherited a lot and live somewhere else
Yes. You can sell a lot in Key Largo without living on it. 88% of vacant-lot owners in this address scope have a Florida mailing address, and 12% do not. Parcel Buyers uses an independent, licensed title company, offers electronic signing or a mail-away closing, pays by check or wire, and covers closing costs. You do not have to fly in to start the title review. [1]
Taxes or the sewer assessment are behind
Yes. A late tax bill or an unpaid sewer assessment does not by itself stop a sale. The 2025 assessment resolution says the wastewater assessment, once adopted for the year, is a lien on the parcel in the same rank as county taxes until that year's bill is paid. Owners who did not prepay the system development charge can still have a yearly non-ad valorem line, a flat charge that is not based on taxable value, collected by the county tax collector. For 2025 that unpaid balance draws 2.590 percent interest. Liens or back taxes can be paid from the sale proceeds at closing, with the seller's consent, so the buyer is not taking the debt and you are not writing a separate check first. [6],[7],[5]
You own a small lot and will never build
You can sell a homesite you do not plan to build on. The median vacant lot in Key Largo is 0.15 acres, about 6,600 square feet, but size alone does not determine permit eligibility. County property taxes continue, and an adopted sewer assessment remains a lien until paid. The $30.60 monthly sewer base applies to customers receiving service, not automatically to every empty lot. A future house also faces the aqueduct's meter charge, floodplain review, and the county's permit-allocation system tied to hurricane evacuation. [1],[7],[13]
Step by step
How do I sell my land in Key Largo?
From your first message to money in hand, with nothing left out. Requesting an offer costs nothing and commits you to nothing.
See every detail of the process-
Tell us about your land
Fill out the short form (about 60 seconds) or email us. A land specialist reaches out to confirm the details, usually the same business day.
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Get your cash offer within 24 hours
We review the property and send a written, no-obligation cash offer within 24 hours. It is a real number, not a range. Take it or leave it, with no pressure either way.
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Sign electronically
If you accept, everyone signs the purchase agreement electronically. There is nothing to print or mail at this stage.
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We inspect, the title company verifies
Our team inspects the land and an independent title company runs a title search for liens or taxes owed. If the land does not pass inspection, you are never charged anything.
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Close and get paid
The title company prepares the closing documents for notarization and issues your funds by standard check, overnight check, or wire transfer. A typical sale closes in 10 days.
Questions
Selling land in Key Largo: common questions
Can I sell my lot in Key Largo if it has no water or sewer?
Yes. A missing water or sewer hookup does not block a cash sale of vacant land. The wastewater district, not a city utility, decides whether a connection is actually available, and its rules say a nearby force main is not enough. Where sewer is available, connection is required. Septic systems that remain in the Keys must be performance-based and are permitted through the county health department. Drinking water is the aqueduct's system, with its own meter fees when someone builds.
How much does it cost to keep an empty lot in Key Largo each year?
There is no single vacant-lot fee. County property taxes still apply. If a sewer system development charge was assessed and not prepaid, the remaining balance is a yearly line on the county tax bill, and the 2025 interest rate on that unpaid balance is 2.590 percent. The $30.60 monthly base, in effect through September 30, 2026, is charged per EDU to customers, not to every empty lot. The tax bill is the list of which of those lines this parcel actually has.
Who issues a building permit for a vacant lot here?
The county, not a city. Monroe County's building department takes in the permit, including floodplain review, and the Upper Keys counter is at 102050 Overseas Highway. A new house may also need a building-permit allocation. State law keeps permanent-resident evacuation of the Florida Keys to no more than 24.5 hours and tells local governments to steer growth toward central sewer through those allocations. The county calls that scored system its Rate of Growth Ordinance.
Is every vacant lot on the wastewater district's system?
No. The district's charter area is the island east of Tavernier Creek, and the utility says it operates from mile marker 91 to 106. The 2025 assessment resolution then excludes Ocean Reef, land north of Summerland Road on U.S. 1, and land north of Charlemagne Boulevard on County Road 905. Even inside the boundary, service is not automatic. The district decides whether a connection is available.
Owner resources
Guides for your situation
- How to Sell Land in a Flood Zone
Flood-zone land can be sellable and sometimes buildable. A FEMA flood zone describes mapped risk; it is not a building permit. The buyer must verify the current effective Flood Insurance Rate Map and any map changes, then ask the local floodplain administrator what elevation, floodway, coastal, permit, and design rules apply.[1][2][4] Vacant land itself is not covered by an NFIP policy; flood insurance covers qualifying buildings and contents, not land value.[5][6]
- How Cash Land Buyers Price Offers
A cash-land offer may start with verified sales of land with similar use, then adjust those sales for meaningful differences.[1] Buyers may also account for access, utilities, legal use, size, shape, flood and soil questions, title issues, demand, and costs and risk they will carry. No universal assessed-value percentage applies. Compare each written offer by expected net proceeds, contingencies, seller work, and timing—not one asking price or headline number.
- How to Sell Land During a Divorce
Florida land can be sold during a divorce when the people with authority to convey title sign and the sale follows every applicable agreement and court order. Divorce law may treat land as marital even when only one spouse appears on the deed.[1][2] If ownership, signing authority, or the division of proceeds is unsettled, have a Florida attorney and the closing title company resolve those issues before closing.
More places in Monroe County
Your written offer
Get your cash offer
Four short steps, about 60 seconds. We review your property and send a written, no-obligation cash offer within 24 hours. You can take it or leave it.
What happens after you send this
- A land specialist reaches out, usually the same business day, to confirm the details.
- You get a written cash offer within 24 hours: a real number, not a range.
- You decide. Requesting an offer costs nothing and commits you to nothing.
You will never be asked to pay us anything. No deposit, no processing fee, no closing-cost advance.
Nearby areas we buy
- Monroe County
5,994 vacant lots countywide
- Marathon
550 vacant lots · 2025 median lot sale $400,000
- Lower Matecumbe Key
144 vacant lots
- Long Key
80 vacant lots
How we made this page
Parcel Buyers is a land-buying company based in Florida. We buy vacant land directly from owners and publish these local pages so owners can see what land in their area is doing before they sell, to us or anyone else. We count the tax-roll figures ourselves from state data, take local rules and fees from the official sources listed below, and use AI tools to help research and draft the text. Every number links to its source, and we update the page when the data changes.
Method and sources
Tax-roll figures cover parcels whose property address city is Key Largo. Source [1] is our own count of the Florida Department of Revenue's 2026 preliminary property tax roll: "vacant residential" means land-use code 000; lot sizes use the land square footage on the roll; values are the county property appraiser's just (market) value as of January 1, 2026; sale prices count only arm's-length sales of a single lot that was vacant when it sold and was still vacant on January 1, 2026 (bulk and multi-parcel deeds removed). Page updated September 30, 2026. The reviewed 2026 recorded-sale window runs from January through June 2026; unreviewed recent sales are excluded. County-level figures are used on this place page. Flood and springs-BMAP figures screen tax-roll parcel center points, not parcel boundaries. They are aggregate map screens, not flood-zone, insurance, buildability, elevation, septic, or permitting determinations.
- [1] Florida Department of Revenue (data); Parcel Buyers (analysis), Parcel Buyers analysis of the 2026 preliminary Name-Address-Legal (NAL) property tax roll (accessed 2026-10-03)
- [2] U.S. Census Bureau, 2020 Census national place codes by county (accessed 2026-10-02)
- [3] Monroe County, Building and Permitting (accessed 2026-10-02)
- [4] Florida House of Representatives, Final bill analysis for CS/HB 1441, wastewater district rates (accessed 2026-10-02)
- [5] Key Largo Wastewater Treatment District, Fiscal year 2025-26 sewer utility budget narrative (accessed 2026-10-02)
- [6] Key Largo Wastewater Treatment District, July 15, 2025 board packet with Resolution 13-2025 (accessed 2026-10-02)
- [7] Key Largo Wastewater Treatment District, General Rules and Regulations, fee schedule through September 2027 (accessed 2026-10-02)
- [8] Florida Keys Aqueduct Authority, Drinking water (accessed 2026-10-02)
- [9] Florida Keys Aqueduct Authority, Water rates, fees, and charges effective October 1, 2025 (accessed 2026-10-02)
- [10] Monroe County Emergency Management, Flooding (accessed 2026-10-02)
- [11] Florida Department of Environmental Protection, John Pennekamp Coral Reef State Park unit management plan (accessed 2026-10-02)
- [12] Florida Department of Health in Monroe County, Septic tanks (accessed 2026-10-02)
- [13] The Florida Senate, Florida Keys Area Protection Act, section 380.0552 (accessed 2026-10-02)
- [14] Monroe County, ROGO/NROGO System (accessed 2026-10-02)
- [15] U.S. Fish and Wildlife Service, Crocodile Lake National Wildlife Refuge Comprehensive Conservation Plan (accessed 2026-10-02)