65821 Overseas Highway # 98, Long Key FL 33001, LONG KEY, FL, 33001
Active228 days on marketListed Jan 3, 2026MLS #A11937931
About this home
65821 Overseas Highway # 98, Long Key FL 33001
6+ Month Rental--Come Fall in Love with this Little Gem. Located in Outdoor Resort. This lively gated waterfront resort sits on 35 acres and has multiple amenities such as Pool, marina, boat ramp, boat trailer storage, private beach, bocce ball, tennis courts, club house and more!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$181 /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
$181/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Long Key
Get to know Long Key. See the full Long Key guide →
LONG KEY 33001 — neighborhood snapshot
Population
254
Median age
58.8
Median income
$60,750
Median home value
$602,900
Avg household
1.94
Households w/ children
5%
For the school run
Monroe County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Long Key market
This home is listed 99% below the LONG KEY 33001 median. See the full Long Key market guide →
Paper trail
This home's history
Reality check
What actually sold near 65821 Overseas Highway # 98
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$280,000
65821 Overseas Highway, Lot 375, Long Key FL 33001
2 bd · 1 ba · 574 sqft · $488/sqft · 190 DOM
Sold · Apr ’26$1,350,000
65821 Overseas Hwy Lot 267, Long Key FL 33001
2 bd · 2 ba · 888 sqft · $1,520/sqft · 113 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
Frantreshia Miller
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 65821 Overseas Highway # 98 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 65821 Overseas Highway # 98 — before you fall in love.
See it in person
Schedule a tour
Live availability from Frantreshia's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
65821 Overseas Highway # 98 FAQs
What would the monthly payment be for 65821 Overseas Highway # 98, Long Key FL 33001?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $181/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 65821 Overseas Highway # 98, Long Key FL 33001?+
The listing reports pets: No, Yes. 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 Long Key?+
At $2,900, this home is listed about 100% below the Long Key median of $950,000. The market section on this page shows how the area is trending.
Which schools are assigned to 65821 Overseas Highway # 98, Long Key FL 33001?+
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 LONG KEY 33001 market on paper
$2,900 is 99% below the LONG KEY 33001 median of $430,000.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
228 days on market against a Long Key median of 94 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $3,800, now $2,900 — a $900 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LoKation · Tracey Petrusha. MLS #A11937931.
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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