22920 Privateer Drive, FL 33042, FL, 33042
Active130 days on marketListed Mar 27, 2026MLS #B26007553
About this home
22920 Privateer Drive, FL 33042
Following a monumental $200,000 price drop, this rare waterfront opportunity is available at an unbeatable price point. Launch your boat from your backyard for world-class access to the Atlantic Ocean and Gulf of Mexico. Unlock instant equity with virtual additions in the photos and below-market pricing; there is significant room to secure this property way below market value after completing updates similar to those shown. An update list with estimated pricing is provided upon request. This diamond in the rough is priced for a quick sale, allowing you to build custom equity from day one. With a solid foundation & breathtaking panoramic views, it's the ultimate project for a savvy investor to turn this house into the crown jewel of the shoreline! At this reduced price, it won't last.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,560
Sqft
0.14 ac
Lot size
1980
Year built
2
Levels
$378
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.
$3,853 /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
$3,853/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.
Reality check
What actually sold near 22920 Privateer Drive
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$920,000
Nearby listing · same community
3 bd · 2 ba · 1,400 sqft · $657/sqft · 257 DOM
Sold · Oct ’25$990,000
Nearby listing · same community
3 bd · 3 ba · 1,080 sqft · $917/sqft · 139 DOM
Sold · Aug ’25$1,300,000
22822 John Silver Ln, Lower Keys FL 33042 · same community
3 bd · 2 ba · 2,100 sqft · $619/sqft · 235 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 22920 Privateer Drive — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 22920 Privateer Drive — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
22920 Privateer Drive FAQs
What would the monthly payment be for 22920 Privateer Drive, FL 33042?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,853/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 22920 Privateer Drive, FL 33042?+
The most recent tax bill on record (2025) was $3,461. 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 22920 Privateer Drive, FL 33042?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
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®.