, LOWER KEYS, FL, 33042
Active13 days on marketListed Jul 8, 2026MLS #A12052617
About this home
Escape to the Lower Keys with this peaceful Big Torch Key retreat overlooking protected lands. Enjoy convenient boating access to both the Gulf and Atlantic via Niles Channel, then return to your 60 ft. concrete dock after a day of fishing or diving. This well-maintained, fully furnished 3-bedroom, 2-bath home is move-in ready, with sewer and FKAA 'city' water service, plus a cistern beneath the screened porch that holds approximately 16,000 gallons of supplemental water. Walk or bike for miles, watch key deer and birds, and enjoy quiet surroundings while staying within easy reach of shopping, restaurants, and more.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,148
Sqft
1995
Year built
$675
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.
$5,137 /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
$5,137/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 Big Torch Key
Big Torch Key — neighborhood snapshot
Population
95
Median age
43
Median income
$132,652
Median home value
$1,000,000
Avg household
2
Households w/ children
11%
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
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 ’26$1,100,000
3167 STEWART ROAD
3 bd · 3 ba · 1,222 sqft · $900/sqft · 0 DOM
Sold · Feb ’26$5,250,000
Nearby listing
4 bd · 4 ba · 4,315 sqft · $1,217/sqft · 288 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
John Carpenter
CFO/Broker · 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 John'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 $5,137/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 $6,053. 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 $775,000, this home is priced right at the LOWER KEYS 33042 median.
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 Coldwell Banker Schmitt Real E · Patti Nickless. MLS #A12052617.
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®.