, LOWER KEYS, FL, 33042
Active15 days on marketListed Jul 5, 2026MLS #A12048202
About this home
ROGO LOT WORTH 1 POINT, LETTER IN HAND. NO CLEARING, NO CAMPING, CHECK WITH COUNTY WHAT YOU CAN DO WITH IT, SOLD AS-IS OWNER/AGENT CAUTION-BEE HIVES NEAR PROPERTY! CAUTION-BEE HIVES NEAR PROPERTY!
Facts & features
The home at a glance
0.136 ac
Lot size
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.
$396 /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
$396/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 Sugarloaf Key
Sugarloaf Key — neighborhood snapshot
Population
1,475
Median age
48
Median income
$120,391
Median home value
$733,747
Avg household
2
Households w/ children
174
For the school run
Monroe County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The LOWER KEYS 33042 market
This home is listed 95% below the LOWER KEYS 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 · Jul ’25$910,000
246 Colson Dr, Lower Keys FL 33042
3 bd · 2 ba · 427 DOM
Sold · Aug ’25$560,000
Nearby listing
2 bd · 2 ba · 1,129 sqft · $496/sqft · 207 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
Lacie Springstead
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 Lacie'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 $396/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 (2026) was $170. 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 LOWER KEYS 33042?+
At $35,000, this home is listed about 95% below the LOWER KEYS 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.
Listing courtesy of Xcellence · Carmen Reynolds. MLS #A12048202.
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®.