, LOWER KEYS, FL, 33042
Active13 days on marketListed Jul 6, 2026MLS #A12049052
About this home
ROGO EXEMPT CANALFRONT WITH GREAT SUNSETS AND OPEN WATER VIEWS READY FOR YOU TO BRING YOUR BOAT WITH STEP DOWN DOCK. DOCK NEEDS SOME TLC. ACTIVE WATER METER ON SITE, SEWER STUBBED IN AND READY FOR CONNECTION AS A PRIOR HOME WAS DEMOLISHED. BUYER TO VERIFY ALL INFORMATION. POWER IN FRONT. SURVEY AVIALABLE. TWO STORY HOME WOULD PROVIDE SPECTACULAR VIEWS AND A TREMENDOUS OPPORTUNITY FOR YOUR VISION, NOW OR LATER. OWNER/AGENT SOLD AS IS.
Facts & features
The home at a glance
0.137 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.
$6,077 /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
$6,077/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.
Where it sits
Inside Cudjoe Key
Cudjoe Key — neighborhood snapshot
Population
2,478
Median age
56
Median income
$86,166
Median home value
$755,350
Avg household
2
Households w/ children
209
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 27% above 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 · Jun ’26$560,000
22963 Anne Bonny Ln, Sugarloaf FL 33042
3 bd · 2 ba · 834 sqft · $671/sqft · 3 DOM
Sold · Oct ’25$685,000
701 Spanish Main Dr # 77, Lower Keys FL 33042
2 bd · 1 ba · 864 sqft · $793/sqft · 163 DOM
Sold · Oct ’25$990,000
Nearby listing
3 bd · 3 ba · 1,080 sqft · $917/sqft · 139 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
Julian Rivera
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 Julian'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 $6,077/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 $2,788. 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 $985,000, this home is listed about 27% above 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.
Keep looking
Similar homes nearby
Listing courtesy of Xcellence · Carmen Reynolds. MLS #A12049052.
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®.