421 S Harbor Dr, Ocean Reef, FL 33037
OFF MARKET

421 S Harbor Dr
Ocean Reef, FL 33037

  • 4 Beds
  • 4.5 Baths
  • 4,250 sqft (on 0.44 acres)

$4,998,800

Trulia Estimate
as of Aug 19, 2026
Est. Refi. Payment $33,096/mo*
Refinance Your Home

$4,998,800

Trulia Estimate
as of Aug 19, 2026
Est. Refi. Payment $33,096/mo*
Refinance Your Home
4 Beds
4.5 Baths
4,250 sqft
(on 0.44 acres)

Home Value

Trulia Estimate
$5M
Since last month
Decreased$78K (-1.5%)
Since last year
Decreased$186K (-3.6%)
Since last sale
Increased$5M (+909.7%)
Learn more about this home's value by checking out its Trulia Estimate, the value of nearby homes, and how much similar homes have sold for.

Trulia Estimate

The of this home's value increased by +206% in the last 10 years
MonthEstimated value
2026
August 2026$5M
July 2026$5.08M
June 2026$4.94M
May 2026$4.93M
April 2026$4.86M
March 2026$4.9M
February 2026$4.96M
January 2026$4.69M
2025
2021
2020

Comparable sales

These are recently sold homes that have a similar location or other similar features to this home, like bedrooms, bathrooms, and square footage. Get a sense of the expected prices in the area by viewing these homes.
Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
10 Bay Berry Ln, Key Largo, FL
0.17
Single-Family Home
$2,075,000
09/02/25
3
4
4,317
345 S Harbor Dr, Key Largo, FL
0.32
Single-Family Home
$4,750,000
04/08/26
3
3.5
3,825
355 S Harbor Dr, Ocean Reef, FL
0.34
Single-Family Home
$4,500,000
11/14/25
5
5.5
4,500
39 Cinnamon Bark Ln, Key Largo, FL
0.25
Single-Family Home
$6,850,000
04/01/26
6
6.5
4,610
15 Cinnamon Bark Ln, Ocean Reef, FL
0.34
Single-Family Home
$8,100,000
07/22/26
5
6
4,957
22 Harbor Island Dr, Key Largo, FL
0.45
Single-Family Home
$7,700,000
05/14/26
4
5.5
5,168
12 Mahogany Ln, Key Largo, FL
0.30
Single-Family Home
$3,825,000
06/22/26
3
3
2,083
29 Baker Rd, Ocean Reef, FL
0.65
Single-Family Home
$5,800,000
08/27/25
4
4.5
2,301
13 N Bridge Ln, Key Largo, FL
0.67
Single-Family Home
$4,600,000
07/21/26
4
3.5
2,768
21 S Bridge Ln, Key Largo, FL
0.49
Single-Family Home
$12,250,000
02/04/26
4
5
7,084

Nearby home prices

Get a sense of expected prices in the area by checking the value of nearby homes.
Address
Distance
Price
Bed
Bath
Sqft
Status
426 S Harbor Dr, Key Largo, FL 33037
0.05
$4,348,000
3
3.5
3,017
Off Market
437 S Harbor Dr, Key Largo, FL 33037
0.09
$4,863,600
4
4
3,969
Off Market
12 Bayberry Ln, Key Largo, FL 33037
0.14
-
-
-
-
Off Market
49 Cinnamon Bark Ln, Key Largo, FL 33037
0.17
$5,633,500
5
5.5
5,324
Off Market
23 Tamarind Ln, Key Largo, FL 33037
0.16
$4,260,300
3
3
2,281
Off Market
42 Cinnamon Bark Ln, Key Largo, FL 33037
0.19
$5,034,800
5
6
4,969
Off Market
24 Tamarind Ln, Key Largo, FL 33037
0.17
$7,242,300
5
6.5
5,307
Off Market
36 Thatch Palm Way, Ocean Reef, FL 33037
0.21
$4,738,600
4
5.5
4,245
Off Market
8 Mahogany Ln, Key Largo, FL 33037
0.20
$6,488,000
4
5
5,494
Off Market
535 Coral Ln, Ocean Reef, FL 33037
0.25
$4,878,500
5
5.5
-
Off Market
535 Coral Ln #0, Key Largo, FL 33037
0.25
$9,313,300
5
5.5
4,957
Off Market
640 Coral Ln, Key Largo, FL 33037
0.26
-
-
-
-
Off Market

Local Information

  • Map ViewExplore the area around 421 S Harbor Dr.
  • Schools1 Preschool School1 Elementary School1 Middle School1 High School
  • Shop & Eat
-- mins to
Commute Destination

Home Highlights

Property Type
Single-Family Home
Year Built
2020
Lot Size
0.44 acres
Living Area
4,250 sqft
Price/Sqft
$1,176

About this House

Modern Contemporary New Construction on the Hammock Course - Completion date 12 / 2020. Fantastic "Greenhaus Design - Build" home. Contemporary new construction home on the Hammock Golf Course. This fabulous home features walls of glass with 4 bedrooms and 4.5 baths, private den, family room, pool and covered patio. The tree house feel brings the outside in, incorporating lots of natural light with the beauty of the lush landscaping, golf course and lake views beyond. The open living, dining, and kitchen area feature high ceilings, with the upstairs open landing family area above. Upstairs, the sundeck overlooks the beach-entry infinity pool, covered patio, and the natural setting beyond. This new home uses strong industrial materials: solid reinforced concrete foundations and walls, structural steel for roof framing and columns, and oversized impact glass sliding doors and windows. These elements allow a freedom of unobstructed free-flowing open views and space. This home is a MUST SEE!
421 S Harbor Dr, Ocean Reef, FL 33037 is a 4 bedroom, 5 bathroom, 4,250 sqft single-family home built in 2020. It last sold for $495,000 on Oct 16, 2017. It is currently off market. The Trulia Estimate is $4,998,800, with a rent estimate of $29,761/month.

Home Details for 421 S Harbor Dr

Interior Features

Heating & Cooling
Heating: Forced AirHeating Fuel: Forced Air
Levels, Entrance, & Accessibility
Stories: 2Floors: Other

Exterior Features

Exterior Home Features
Roof: MetalExterior: StuccoFoundation Type: Piling

Property Information

Year Built
Year Built: 2020
Property Type / Style
Property Type: Single Family Home

Community

Units in Building: 1

Lot Information

Lot Area: 0.44 acres

Price and Tax history

DateEventPrice
Jul 1, 2021
Source: CLS at Ocean Reef
ListingRemoved
Jun 29, 2020
Source: Agent Provided
Listed For Sale
$5,595,000
Oct 16, 2017
Source: N/A
Sold
$495,000
Dec 30, 1994
Source: N/A
Sold
$125,000

Market trends in Key Largo

Last updated July 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
$1.4M
$41.67KMoM
Sale-to-List Price
95.7%
0.4%MoM
Price per sq ft
$803
$38MoM
Available listings
241
14MoM

Around this home

What Locals Say about Key Largo

At least 96 Trulia users voted on each feature.

  • 92 % Say it's dog friendly

  • 84 % Say parking is easy

  • 79 % Say car is needed

  • 78 % Say yards are well-kept

  • 74 % Say people would walk alone at night

  • 72 % Say there's holiday spirit

  • 66 % Say it's quiet

  • 66 % Say they plan to stay for at least 5 years

  • 63 % Say it's walkable to restaurants

  • 55 % Say neighbors are friendly

  • 55 % Say kids play outside

  • 52 % Say there's wildlife

  • 47 % Say there are community events

  • 45 % Say it's walkable to grocery stores

  • 31 % Say streets are well-lit

  • 23 % Say there are sidewalks

Sourced by Trulia users. Learn more about our methodology.
  • Cn68dgn6hz
    "They have Dogs ism assuming they happy with the neighborhood as they are very much friendly is a very nice neighborhood "
    0
    Flag
  • Shaun Matthews
    "I drive everywhere I need to go. Golf carts are permissible in most neighborhoods. Everything is within a 5 min car ride. "
    0
    Flag
  • Dr.mahoney
    "We take care of each other in times of need hurricanes a good example. Animals are safe and people are friendly "
    0
    Flag
  • DC
    "Imagine living in a neighborhood where everyone knows each other and looks out for one another—where you can spend lazy afternoons lounging in beautiful parks or embark on thrilling marine adventures. Your kids will have a blast playing in sports leagues and attending top-notch schools. And the best part? The whole vibe is super chill and welcoming. That's the kind of community you'll find here!"
    0
    Flag
  • Carol Painter
    "Silver Shores is a beautiful 55 and older park! All yards are beautiful with grass, flowers, and trees! All the owners love it here!"
    0
    Flag
  • Deborah Clarke
    "Great neighbors, wonderful parks, beautiful sunsets, great church, great schools to choose from. The bond of our community. Every year our street throws an annual Keys Christmas Party. There is a sense of peace and connection knowing that you are safe and valued in your neighborhood. Everyone is so friendly, which makes it so inviting."
    0
    Flag
  • Karen M.
    "its a tourist spot area and very close to everything that you may need its a small city but very nice place"
    0
    Flag
  • Davius C.
    "It’s pretty dog friendly around here. I always see people walking their dogs. I have three of my own. The neighbors wave and say hi to my dogs while they are walking their dogs"
    0
    Flag
  • Diamonddegree
    "Private and secluded neighborhood at the beginning of the Florida keys. Great diving and snorkeling options "
    1
    Flag
  • Stuart G.
    "my commute is 20 miles but with traffic it takes anywhere from 35 minutes to 2 hours. just depends on the traffic "
    1
    Flag
  • Danlsteadman
    "Dogs are welcome at local restaurants with outside seating. Water bowls are available at these restaurants. "
    0
    Flag
  • Lmgkeys
    "Safe area. Surrounded by the water. Good schools. Great fishing and boating. Kayak and canoeing. Small island nearby."
    0
    Flag
  • Virgil R.
    "There are lots of kids here and watchful parents. So it’s safe for them to play outside and ride their bikes on the back streets. The fathers are outside and monitoring the speed people drive. "
    0
    Flag
  • Ruthrich41
    "We have allowed activities here so we get acquainted with a lot of people in our area and you get to know them and you make friends here we have 240 homes in our compound and a lot of good neighbours are very good friends are here"
    1
    Flag
  • Virgil R.
    "It’s next to the ocean and boat launches and public pools And Public parks where you can walk your dog play tennis do a fitness circuit and volleyball and it’s raining in downtown so it’s easy to leave there and get something to eat"
    1
    Flag
  • mdasca
    "This area is unique because it is close to Miami yet feels like worlds away. This community had neighbors that all have a passion for boating. There is no place in the world like the Florida keys!"
    0
    Flag
  • sherieann2008
    "This is one of the friendliest communities I have ever lived in. The neighbors all know each other and watch out for everyone. We are close to all of the entertainment and dining we want but have the quiet and privacy of a small community - the best of both worlds"
    0
    Flag
  • Lian A.
    "GATED COMMUNITY WITH DEEP WATER DOCKAGE - FAMILY FRIENDLY"
    0
    Flag
  • Kathy D.
    "Key Largo is known for its commuting ease from the Miami Dade area. It has a great Aquatic center, lots of dining options and, as with the rest of the Keys, is known for its water sports which include fishing, diving, kayaking, snorkeling, jet skies etc. The Keys are considered the Caribbean of the US. All the beauty and nice people, no passport."
    0
    Flag
  • Alicia O. L.
    "I have lived here for 7 years and absolutely love it!!!! A.L."
    1
    Flag

LGBTQ Local Legal Protections

Frequently asked questions about 421 S Harbor Dr

  • What is 421 S Harbor Dr estimated to be worth?
    Trulia's estimated value for 421 S Harbor Dr in Ocean Reef, FL is $4,998,800.
  • What is the price history for 421 S Harbor Dr?
    421 S Harbor Dr in Ocean Reef, FL last sold for $495,000 in October 2017.
  • Is Ocean Reef a buyer's or seller's market?
    Ocean Reef is currently a buyer's market, based on recent for-sale activity.
  • What's the median sale price in Ocean Reef?
    The median sale price in Ocean Reef is $1.4M. That is down $41.67K from the prior month.
  • How big is the lot at 421 S Harbor Dr?
    The lot at 421 S Harbor Dr in Ocean Reef, FL is about 0.44 acres (19,144 sq ft).

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