, TAVERNIER, FL, 33070
Active270 days on marketListed Oct 22, 2025MLS #A11907121
About this home
Peaceful waterfront Keys duplex in the beloved 'Indian Mound' neighborhood. This canalfront 2-unit concrete home (built 1959) features terrazzo floors, feature walls, 2 beds/1 bath per unit, 32' dockage on a 100' turning basin, and easy bay/ocean access via Tavernier Creek. Leased month-to-month to long-term tenants. Upgraded 5V Galvalume roof, 2019 A/Cs, oversized 10,000 sf lot with trees and buried power. Flexible options: continue rental income, redevelop with TDRs, or convert to single-family. Vacant 7,023 sf lot next door also available. Buyers must verify redevelopment with Village of Islamorada.
Facts & features
The home at a glance
1,500
Sqft
1959
Year built
$833
Per sqft
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 — not generic estimates.
$8,044 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$8,044/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Tavernier actives
$833 vs $867
Days on market
270 vs 245 typical
Where $833/sqft sits among the 25 Tavernier actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Plantation Key
Get to know Tavernier. See the full Tavernier guide →
Plantation Key — neighborhood snapshot
Population
4,945
Median age
54
Median income
$66,425
Median home value
$857,007
Avg household
2
Households w/ children
367
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)
2 of 25
Tavernier actives have cut their price
Median sold price, Tavernier, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 40% above the TAVERNIER 33070 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 · Sep ’25$1,640,000
254 Navajo St, Islamorada FL 33070 · same community
2 bd · 3 ba · 1,230 sqft · $1,333/sqft · 194 DOM
Sold · Mar ’26$2,140,000
240 Mohawk St, Islamorada FL 33070 · same community
3 bd · 3 ba · 1,858 sqft · $1,152/sqft · 89 DOM
Sold · Sep ’25$3,200,000
168 INDIAN MOUND TRAIL · same community
4 bd · 3 ba · 3,204 sqft · $999/sqft · 0 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
Leliana Vazquez
REALTOR® · 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 Leliana'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 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,044/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on ?+
The most recent tax bill on record (2024) was $8,045. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Tavernier?+
At $1,250,000, this home is listed about 75% above 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
Three things that matter here
01Positioned at the premium end
$1,250,000 runs 40% above the TAVERNIER 33070 median — but at 1,500 sqft it's also nearly twice the size of the typical Tavernier listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $1,350,000, now $1,250,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Coldwell Banker Schmitt Real E · Christy Lee Hughes. MLS #A11907121.
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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