110 Indian Avenue, Key Largo

Two combined lots totaling just over 10,000 square feet put this Harris Ocean Park home ahead. Concrete roof and concrete block construction give it real Keys-built durability -- the current owners' combined insurance costs come in under $4,500 a year, a number worth comparing against what's out there. Inside, an open living concept connects the kitchen and living space, with granite countertops and a large master bedroom. Three bedrooms, two baths, tile floors throughout -- a simple, functional layout. Outside is where this one earns its price. The fully fenced, backyard with mature trees spans two lots, street to street -- room for a garage, a pool, or both -- plus a covered carport, outdoor shower and extra storage space already in place for boats, kayaks, or toys. Location seals it: Indian Avenue is a short walk to Harry Harris Park, with its beach, playground, and boat ramp access. Ocean-side breezes, room to play, and no HOA to answer to.