Island Garden Retreat is a rare hideaway tucked beneath a canopy of mature tropical trees in the peaceful Key Largo neighborhood of Pirates Cove. Set across 15,890 square feet of lush, established landscape, this private cottage lives larger than its footprint, featuring vaulted wood-beamed ceilings, a warm island color palette, granite countertops, and a cozy breakfast counter. Impact windows frame lush greenery and invite the outdoors in. Sliding doors open from the bedroom to a quiet garden patio, creating effortless indoor-outdoor living. A screened patio, open courtyard, fire pit, and multiple tucked-away garden spaces offer countless corners for your morning latte or a relaxing evening breeze. Brick paver parking and walkways, an outdoor shower, storage, and a dedicated washer/dryer room add everyday convenience. Five contiguous lots, this serene and oversized property offers rare space and flexibility, room for a pool, garage, or future expansion of the existing home. Enjoy nearby Florida Bay access and a voluntary neighborhood boat ramp, all just minutes from Key Largo's dining and amenities, yet entirely tucked away in your own garden sanctuary.
For sale
$720,000
13 Pirates Dr, Key Largo, FL 33037
1beds
730sqft
Est.:
Single Family Residence
Built in 1953
0.37 Acres Lot
$-- Zestimate®
$986/sqft
$21/mo HOA
What's special
Open courtyardGranite countertopsVaulted wood-beamed ceilingsFire pitWarm island color paletteScreened patioCozy breakfast counter
- 49 days |
- 337 |
- 7 |
Zillow last checked: 7 hours ago
Listing updated: March 31, 2026 at 07:04am
Listed by:
Carolyn C Ambler 203-395-6773,
American Caribbean Real Estate, Christie's International Real Estate
Source: FLKMLS,MLS#: 618777
Originating MLS: Florida Keys
Originating MLS: Florida KeysTour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 1
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Cooling
- Central Air
Appliances
- Included: Washer, Stainless Steel Appliance(s), Refrigerator, Dryer, cooktop - gas
Features
- Granite Counters, Dade County Pine
- Windows: Impact Rstnce Window
- Furnished: Yes
Interior area
- Total interior livable area: 730 sqft
Property
Parking
- Parking features: Open, Off Street
- Has uncovered spaces: Yes
Features
- Levels: Ground Level
- Patio & porch: Patio, Screened Patio
- Exterior features: Outdoor Shower, Storage
- Water view: None
- Waterfront features: None, Dockage: None
Lot
- Size: 0.37 Acres
- Features: 1/4 - 1/2 Acre
Details
- Additional structures: Shed(s)
- Parcel number: 00494490000000
- Zoning: ISM
- Zoning description: Improved Sub Masonry
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- CBS, Concrete
- Roof: Metal
Condition
- Year built: 1953
Utilities & green energy
- Sewer: Municipal Sewer, Public Sewer
- Utilities for property: FKAA
Community & HOA
Community
- Features: Community Boat Ramp
- Subdivision: Pirates Cove (Key Largo) (98.5)
HOA
- Has HOA: Yes
- Services included: Other
- HOA fee: $250 yearly
Location
- Region: Key Largo
Financial & listing details
- Price per square foot: $986/sqft
- Tax assessed value: $713,347
- Annual tax amount: $6,523
- Date on market: 2/23/2026
- Listing terms: No Seller Finance,VA Loan,Conventional,Cash
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 2/23/2026 | Listed for sale | $720,000+620%$986/sqft |
Source:  Key West AOR #618777 Report a problem | ||
| 5/22/2020 | Sold | $99,999+1%$137/sqft |
Source:  MIAMI #A10720566 Report a problem | ||
| 4/23/2020 | Pending sale | $99,000$136/sqft |
Source: Coldwell Banker Schmitt Real Estate Co. #A10720566 Report a problem | ||
| 1/7/2020 | Listed for sale | $99,000$136/sqft |
Source: Coldwell Banker Schmitt Real Estate Co. #A10720566 Report a problem | ||
| 1/2/2020 | Pending sale | $99,000$136/sqft |
Source: Coldwell Banker Schmitt Real Estate Co. #A10720566 Report a problem | ||
| 8/8/2019 | Listed for sale | $99,000-63.3%$136/sqft |
Source: Coldwell Banker Schmitt Real Estate Co. #A10720566 Report a problem | ||
| 5/16/2014 | Sold | $270,000-9.7%$370/sqft |
Source:  FLKMLS #561978 Report a problem | ||
| 5/9/2014 | Listed for sale | $299,000$410/sqft |
Source: Marr Properties Inc #A1932454 Report a problem | ||
| 5/9/2014 | Pending sale | $299,000$410/sqft |
Source: Marr Properties Inc. #A1932454 Report a problem | ||
| 5/2/2014 | Listed for sale | $299,000$410/sqft |
Source: Marr Properties Inc #A1932454 Report a problem | ||
| 5/2/2014 | Pending sale | $299,000$410/sqft |
Source: Marr Properties Inc. #A1932454 Report a problem | ||
| 4/19/2014 | Listed for sale | $299,000$410/sqft |
Source: Marr Properties Inc #A1932454 Report a problem | ||
| 4/19/2014 | Pending sale | $299,000$410/sqft |
Source: Marr Properties Inc. #A1932454 Report a problem | ||
| 9/3/2013 | Listed for sale | $299,000$410/sqft |
Source: Marr Properties, Inc. #561978 Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $6,523 +11.7% | $696,659 +10% |
| 2024 | $5,841 -0.5% | $633,326 +2.4% |
| 2023 | $5,869 +16% | $618,219 +10% |
| 2022 | $5,061 +103.6% | $562,017 +120% |
| 2021 | $2,485 +0.5% | $255,477 +1.4% |
| 2020 | $2,473 | $251,950 +2.3% |
| 2019 | $2,473 +1.7% | $246,286 +1.9% |
| 2018 | $2,432 +0.3% | $241,694 +2.1% |
| 2017 | $2,425 +2% | $236,723 +2.1% |
| 2016 | $2,378 -1.1% | $231,855 +0.7% |
| 2015 | $2,404 | $230,243 |
Find assessor info on the county website
Monthly payment
Est. payment
$3,977/mo
Principal & interest
$3464
Property taxes
$492
HOA Fees
$21
More affordability tools
Climate risks
Neighborhood: 33037
Nearby schools
GreatSchools rating
- 8/10Key Largo SchoolGrades: PK-8Distance: 6.3 mi
- 4/10Coral Shores High SchoolGrades: 9-12Distance: 8.2 mi
Local experts in 33037
- Florida
- Monroe County
- Key Largo
- 33037
- 13 Pirates Dr
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