CENTURY 21 Edge
$4,500,0004 bd3 ba2,620 sqft$1,718 /sqft≈$31,871 /mo all-in ↓

422 HARBOUR DRIVE, DUCK KEY, FL, 33050

Active11 days on marketListed Oct 14, 2026MLS #NS1089477

WaterfrontPrivate poolFully furnishedSingle Family ResidenceHARBOUR ISLAND AMD

About this home

422 HARBOUR DRIVE

There are places where the water is part of the view. And then there's Duck Key, where it shapes the entire way of life. Set in the heart of the Florida Keys, this two-story waterfront residence brings together thoughtful living spaces, beautiful open-water scenery, and everything that makes island life so distinctive. The home offers four bedrooms and three bathrooms, surrounded by lush landscaping and designed to make the most of its waterfront setting. Outside, the property really comes into its own. A private pool, beach area, and dock put the water at the center of every day. And for boaters, the details matter: A 30,000-pound boat lift, a jet ski lift, a fish cleaning station, and steps leading right into the water. A morning offshore, an afternoon exploring the keys, or a quiet evening back at the pool. Here, those aren't special occasions. They're simply options. Upstairs, the open living kitchen areas are made for gathering, but the water remains the focal point with sliding glass doors that open to an expansive balcony that wraps around the upper level. The upper floor also includes the master bedroom with an ensuite bath, second bedroom and full bath in the hallway. Downstairs, a second living area, kitchenette, two additional bedrooms, and another full bathroom create a flexible layout for family and guests. From the lower level, step outside to the balcony, pool, beach and dock. Beyond the property, Duck Key has its own distinctive appeal. Join the optional Duck Key clubhouse for a pool, tennis, pickleball, and events, or Hawks Cay Resort for its Michelin-rated Salt and Ash restaurant, saltwater lagoon, Dolphin Connection, and pools.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,620

Sqft

0.28 ac

Lot size

1

Garage

1985

Year built

Two

Levels

$1,718

Per sqft

Private poolWaterfrontWater viewFurnishedPets allowed

Inside

FlooringCeramic Tile · Travertine
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Electric Cooktop · Electric Water Heater · Freezer · Microwave · Range · Refrigerator · Washer · Wine Refrigerator
InteriorBeamed Ceilings · Cathedral Ceiling(s) · Ceiling Fan(s) · High Ceilings · Open Floorplan · PrimaryBedroom Upstairs · Solid Wood Cabinets · Thermostat · Window Treatments
LaundryInside
CoolingCentral Air
HeatingCentral · Electric
FurnishedFurnished

Outside & construction

RoofMetal
ConstructionBlock
FoundationOther
ViewWater
FacesEast
ExteriorBalcony · Irrigation System · Lighting · Outdoor Grill · Private Mailbox · Rain Gutters · Sliding Doors · Storage

Community & fees

Taxes (2025)$20,458/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Public · Sewer Connected · Underground Utilities · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$31,871 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$28,318
PMI (est., until 20% equity)$1,688
Property tax — 2025 actual bill$1,705
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $450,000Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $450,000
Interest rate7.50%
Loan term

Estimated payment

$31,871/mo

Principal & interest$28,318
PMI (est., until 20% equity)$1,688
Property taxes (actual bill)$1,705
Est. insurance$160

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.

Can I afford this home? → See what you can comfortably afford from your income, debts and savings.

Where it sits

Inside Duck Key

Get to know Duck Key. See the full Duck Key guide →

DUCK KEY 33050 — neighborhood snapshot

Population

10,586

Median age

48.1

Median income

$83,243

Median home value

$705,600

Avg household

2.44

Households w/ children

995

For the school run

Monroe County School District

HighMarathon School★★★★★
ElementaryStanley Switlik Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Duck Key market

This home is listed 10% above the DUCK KEY 33050 median. See the full Duck Key market guide →

Paper trail

This home's history

Oct 14, 2026Listed at $4,500,000 · 11 days on market since
1985Built · HARBOUR ISLAND AMD

Reality check

What actually sold near 422 HARBOUR DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

227 CORSAIR ROADSold · May ’26

$1,360,000

227 CORSAIR ROAD

4 bd · 3 ba · 1,960 sqft · $694/sqft · 85 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.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 422 HARBOUR DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 422 HARBOUR DRIVE — 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

422 HARBOUR DRIVE FAQs

What would the monthly payment be for 422 HARBOUR DRIVE?+

With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $31,871/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 422 HARBOUR DRIVE?+

The most recent tax bill on record (2025) was $20,458. 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 422 HARBOUR DRIVE?+

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 Duck Key?+

At $4,500,000, this home is priced right at the Duck Key median.

Which schools are assigned to 422 HARBOUR DRIVE?+

Marathon School (high), Stanley Switlik Elementary School (elementary) — Monroe County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$4,500,000 runs 10% above the DUCK KEY 33050 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

11 days on market against a Duck Key median of 1 — sellers in this position are usually ready to negotiate.

Listing courtesy of THE HIGH TIDE GROUP · Linda Ivey. MLS #NS1089477.

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 Stellar MLS.

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