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Single Family ResidenceResidential
$942,935$589 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 85How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $975,000 on Aug 5, 2025

13 GARDEN COVE DR

KEY LARGO, FL 33037
5
Beds
3
Baths
1,600 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
2024
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$943K
$798K low$1.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$975,000 · Aug 5, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,140 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$733,914 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$278,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$455,814
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$236,818
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$733,914

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.39 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.99%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMonroe
Lot (acres)The size of the land the home sits on, from county records.0.14
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Pile
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 44 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Key Largo SchoolA-
Elementary · Grades PK–8 · 1.6 mi
H
Coral Shores High SchoolC+
High · Grades 9–12 · 15.9 mi

District: Monroe County School District

Neighborhood · ZIP 33037These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.139
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.81
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.10

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.61%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.6%
PopulationHow many people live in this area.13,627
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.83 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$75,684
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$116,746
Average tempThe average temperature here across a full year.76°F
Annual precipHow much rain and melted snow falls here in a typical year.53 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.75%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

13 Garden Cove Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs less per square foot than 71% of homes in Monroe County
  • Bigger than 66% of homes in Monroe County
  • Has a smaller lot than 69% of homes in Key Largo 33037
  • Among the newest homes in Key Largo 33037

What homes are worth in Key Largo 33037

Each bar is how many homes fall in that price range. The marker is this home.

This home
$402K$7.3M

This home is worth more than 43% of homes in Key Largo 33037.

How it measures up in Key Largo 33037

The dot is this home. The mark in the middle is the typical home in Key Largo 33037.

Estimated value$942,935
CheaperTypical $1,082,053Pricier

Pricier than 43% of homes nearby

Price per ft²$589
CheaperTypical $722Pricier

Pricier than 35% of homes nearby

Living area1,600 ft²
SmallerTypical 1,398 ft²Bigger

Bigger than 61% of homes nearby

Lot size0.14 ac
SmallerTypical 0.17 acBigger

Bigger than 31% of homes nearby

Year built2024
OlderTypical 1983Newer

Newer than almost all homes nearby

How 13 Garden Cove Dr ranks against every home in each area.
MeasureThis homeKey Largo 33037Monroe County
Estimated valuepricier than$942,93543% of homes46% of homes
Price per ft²pricier than$58935% of homes29% of homes
Living areabigger than1,600 ft²61% of homes66% of homes
Lot sizebigger than0.14 ac31% of homes35% of homes
Year builtnewer than2024almost all homesalmost all homes

About 13 Garden Cove Dr

How much is 13 Garden Cove Dr, Key Largo, FL worth?

The TopHap Estimate for 13 Garden Cove Dr, Key Largo, FL is $942,935 as of Jul 14, 2026. The likely range is $797,943 to $1,087,926. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 13 Garden Cove Dr, Key Largo, FL last sell?

13 Garden Cove Dr, Key Largo, FL last sold on Aug 5, 2025 for $975,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 13 Garden Cove Dr, Key Largo, FL?

13 Garden Cove Dr, Key Largo, FL has 5 bedrooms, 3 bathrooms, 1,600 square feet of living space and a 0.14-acre lot.

When was 13 Garden Cove Dr, Key Largo, FL built?

13 Garden Cove Dr, Key Largo, FL was built in 2024, making it 2 years old. The building has 2 stories.

What schools serve 13 Garden Cove Dr, Key Largo, FL?

13 Garden Cove Dr, Key Largo, FL is assigned to Key Largo School (elementary), rated A-; Coral Shores High School (high), rated C+. All sit in Monroe County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 13 Garden Cove Dr, Key Largo, FL compare to other homes in Key Largo 33037?

Among the 9,990 homes in Key Largo 33037, it is worth more than 43% of them ($942,935 against a typical $1,082,053), its price per square foot is higher than 35% of them ($589 against a typical $722), it is bigger than 61% of them (1,600 ft² against a typical 1,398 ft²), its lot is bigger than 31% of them (0.14 ac against a typical 0.17 ac) and it is newer than almost all of them (2024 against a typical 1983). Measured against all of Monroe County, it is worth more than 46% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 13 Garden Cove Dr, Key Largo, FL?

The 2024 property tax bill for 13 Garden Cove Dr, Key Largo, FL was $2,140. The county assessed it at $733,914.

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