, TAVERNIER, FL, 33037
Active335 days on marketListed Aug 20, 2025MLS #A11862629
About this home
Turnkey 2BD/2BA Ocean Pointe Condo – Fully Furnished & Short-Term Rental Ready! This 826 sq ft unit offers impact windows/doors, stainless steel appliances, Titan tankless water heater, and full-size LG washer/dryer. Enjoy as a vacation home, rental, or full-time residence. Ocean Pointe is a gated, resort-style community with 24/7 security and top-tier amenities: heated pool/spa, poolside cafe, oceanfront restaurant, marina with dockage, sandy beach, tennis/pickleball courts, trailer storage, playground, and more. Seller financing available—don’t miss this rare Keys opportunity!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1991
Year built
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$5,061 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$5,061/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Tavernier
Get to know Tavernier. See the full Tavernier guide →
TAVERNIER 33037 — neighborhood snapshot
Population
13,674
Median age
54.2
Median income
$80,911
Median home value
$660,700
Avg household
2.34
Households w/ children
999
For the school run
Monroe County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Tavernier market
$842K → $680K
Tavernier median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
Median sold price, Tavernier, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 28% below the TAVERNIER 33037 median. See the full Tavernier market guide →
Paper trail
This home's history
Reality check
What actually sold near
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$850,000
104 Mangrove Ln, Key Largo FL 33070
3 bd · 2 ba · 7 DOM
Sold · Sep ’25$280,000
92550 Overseas Hwy # 108, Tavernier FL 33070
1 bd · 1 ba · 598 sqft · $468/sqft · 174 DOM
Sold · May ’26$275,000
103 Tree Ln, Tavernier FL 33070
2 bd · 2.5 ba · 795 sqft · $346/sqft · 213 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
FAQs
What would the monthly payment be for ?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $5,061/mo — principal and interest, the actual property-tax bill, the $1,358/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at ?+
The association fee works out to $1,358 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on ?+
The most recent tax bill on record (2024) was $4,617. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at ?+
The listing reports pets: Restrictions Or Possible Restrictions. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Tavernier?+
At $499,000, this home is listed about 30% below the Tavernier median of $712,500. The market section on this page shows how the area is trending.
Which schools are assigned to ?+
Coral Shores High School (high) — Monroe County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the TAVERNIER 33037 market on paper
$499,000 is 28% below the TAVERNIER 33037 median of $695,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $1,358/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04The price has already moved
Listed at $565,000, now $499,000 — a $66K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Coldwell Banker Schmitt R.E. · Philip Kravitz. MLS #A11862629.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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