, BIG PINE, FL, 33042
Active160 days on marketListed Feb 9, 2026MLS #A11963366
About this home
Located near a canal 'T', this oceanside property offers easy docking for larger boats and sailboats in the 50 ft. wide, flow-through canal, putting the Atlantic and back-country within easy reach. The rooftop deck is a wonderful vantage point for panoramic neighborhood and water views. Nestled in mature vegetation, the one-owner, custom-built, board and batten cedar home has been well-maintained and is ready for the next owner to personalize. Step inside the wood privacy fence to discover the mahogany, buttonwood, Hong Kong Orchid trees and more that provide cooling shade on the 6100 sq. ft. property. The wood walkway and 10 ft. wide dock area were custom-designed, and the canal-side tiki provides a touch more shade. Additional features of this 2-bedroom, 2-bath home are the east facing porch that captures sunrises, moonrises and breezes; central air; impact-resistant sliding glass doors on the main level; great storage and covered parking on the ground level. Welcome to Jolly Roger Estates!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
960
Sqft
1987
Year built
$984
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.
$5,949 /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
$5,949/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.
vs edgeAI estimate
+23.5%
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 Little Torch Key
Little Torch Key — neighborhood snapshot
Population
970
Median age
52
Median income
$94,583
Median home value
$639,700
Avg household
2
Households w/ children
76%
For the school run
Monroe County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The BIG PINE 33042 market
This home is listed 22% above the BIG PINE 33042 median.
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$1,000,000
Nearby listing · same community
2 bd · 1 ba · 1,144 sqft · $874/sqft · 162 DOM
Sold · Aug ’25$915,000
Nearby listing
3 bd · 2 ba · 1,056 sqft · $866/sqft · 33 DOM
Sold · Nov ’25$1,150,000
Nearby listing
2 bd · 2 ba · 1,064 sqft · $1,081/sqft · 87 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
Melinda Manges Iosua
Director, Agent Recruiting · 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 Melinda'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 $5,949/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 (2025) was $4,030. 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 BIG PINE 33042?+
At $945,000, this home is listed about 22% above the BIG PINE 33042 median of $775,000. The market section on this page shows how the area is trending.
Which schools are assigned to ?+
Key West 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
$945,000 runs 22% above the BIG PINE 33042 median.
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 $975,000, now $945,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Coldwell Banker Schmitt Real E · Patti Nickless. MLS #A11963366.
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®.