, TAVERNIER, FL, 33070
Active78 days on marketListed May 5, 2026MLS #A12019420
About this home
In the heart of Historic Tavernier, this charming Keys cottage offers the kind of character that's getting harder and harder to find. Set on two lots with peekaboo ocean views, the property combines Old Florida charm, outdoor space, and boating convenience in one inviting package. Inside, the two bedroom, one bath home has a cozy, authentic Keys feel. This compact space is full of personality. Outside, a cute deck overlooks the above-ground pool, creating a relaxed setting for morning coffee or afternoon swims. The double lot provides extra breathing room and possibilities that are rare in this area. Located near a neighborhood boat ramp, you'll enjoy easy access to the water and the laid-back lifestyle that makes Tavernier so special. Plus, you're just minutes from great dining, shopping, and everyday essentials--because island living should feel effortless. Nearby local favorites include Cafe Moka, Old Tavernier Restaurant and Sunrise Market. Whether you're looking for a weekend getaway, a full-time cottage, or a property with classic Florida Keys charm, this one stands out.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
624
Sqft
1944
Year built
$849
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.
$3,796 /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
$3,796/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 33070 — neighborhood snapshot
Population
5,614
Median age
53
Median income
$77,228
Median home value
$695,000
Avg household
2.25
Households w/ children
467
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 41% below the TAVERNIER 33070 median. See the full Tavernier market guide →
Paper trail
This home's history
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
Shawn Headley
Real Estate Agent · 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 Shawn'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 $3,796/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 $3,384. 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: 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 Tavernier?+
At $530,000, this home is listed about 26% 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.
Listing courtesy of Coldwell Banker Schmitt Real E · Christy Lee Hughes. MLS #A12019420.
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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