Key Largo, FL

Key Largo is not an incorporated city but falls under unincorporated Monroe County jurisdiction. Monroe County heavily restricts vacation rentals (defined as stays under 28 days) to specific land use districts only. Properties in the SR, MU, UR, IS-V, and OS districts may qualify for a Special Vacation Rental Permit, while properties in IS, URM, and IS-M districts are prohibited from short-term rental use entirely. Even in allowed districts, operators must obtain an annual Special Vacation Rental Permit ($490 initial, $100 renewal), pass a Fire and Life Safety Inspection ($125 to $400 depending on bedrooms), and employ a licensed Vacation Rental Manager ($110 license fee) who must reside in the same section of the Keys as the property and be available 24/7 to respond to complaints. Some exemptions exist for grandfathered pre-1986 properties, certain gated communities with management oversight, and multifamily buildings with 24-hour on-site supervision. Most single-family homes in typical residential subdivisions do not qualify. Prospective hosts must verify their specific land use district using the county's Vacation Rental Map Restrictions before investing.

Licensing and Permits

Key Largo requires hosts to obtain an STR license or permit before listing their property on platforms like Airbnb or VRBO. An inspection is required as part of the permitting process.

Enforcement

Key Largo has high enforcement of STR regulations. Operating without proper licensing or failing to comply with local regulations can result in citations, fines, and potential loss of your permit.

Compiled from 5 official government sources and continuously monitored for changes. Always verify current requirements with your local municipality before making investment or operational decisions.