805 39TH STREET GULF, MARATHON, FL, 33050
Active179 days on marketListed Feb 8, 2026MLS #W7882829
About this home
805 39TH STREET GULF
LOCATION LOCATION LOCATION DIRECTLY ON THE GULF W/ GULF OF AMERICA AND MARINA VIEWS! Welcome to an extraordinary opportunity to own a newly constructed, luxury waterfront residence in the heart of the Florida Keys. Located in the exclusive Emerald Landings community in Marathon, this exceptional home offers breathtaking open-water views, a private 50' boat slip included, and a rare private beach, kayak launch, blending high-end coastal living with unmatched boating convenience. Thoughtfully designed for both luxury and functionality, this stunning property features 5 bedrooms and 5 bathrooms, including two spacious primary suites with private balconies overlooking the water. An open-concept floor plan showcases a chef's kitchen with quartz countertops and waterfall island, seamlessly flowing into the living and dining areas--ideal for entertaining or relaxing with panoramic sunset views. Outdoor living is elevated with a heated resort-style pool, expansive patios, and multiple spaces designed for al fresco dining and sunset gatherings. Premium finishes, coastal-inspired design, and modern technology are found throughout the home, offering a turn-key experience for owners and guests alike.This property is the perfect investment opportunity, boasting a proven short-term rental history and strong income potential, while also serving as an ideal future personal residence for those dreaming of a private retreat in the Keys. Whether used as a high-performing vacation rental, a seasonal escape, or a full-time waterfront home, this property offers unmatched versatility. Centrally located near world-class boating, dining, shopping, and beaches, this rare offering combines luxury, location, and lifestyle--a true Keys dream home with income-producing potential. Being offered furnished.
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
3,320
Sqft
0.12 ac
Lot size
2
Garage
2024
Year built
Three Or More
Levels
$1,053
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 and the real association fee — not generic estimates.
$22,586 /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
$22,586/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Marathon actives
$1,053 vs $661
Days on market
179 vs 94 typical
Where $1,053/sqft sits among the 47 Marathon actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Marathon
Get to know Marathon. See the full Marathon guide →
MARATHON 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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Marathon market
$1.1M → $815K
Marathon median sold, yr/yr
95.6%
Sale-to-list ratio (12 mo)
3 of 47
Marathon actives have cut their price
Median sold price, Marathon, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 449% above the MARATHON 33050 median. See the full Marathon market guide →
Paper trail
This home's history
Reality check
What actually sold near 805 39TH STREET GULF
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$4,500,000
810 39TH STREET GULF
5 bd · 5 ba · 3,026 sqft · $1,487/sqft · 107 DOM
Sold · Sep ’25$2,800,000
3 Man O War Dr, Marathon FL 33050
4 bd · 4 ba · 2,824 sqft · $992/sqft · 21 DOM
Sold · May ’26$1,151,000
Nearby listing
4 bd · 3 ba · 1,888 sqft · $610/sqft · 255 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
Jillian Kobylesky
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 805 39TH STREET GULF — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 805 39TH STREET GULF — before you fall in love.
See it in person
Schedule a tour
Live availability from Jillian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
805 39TH STREET GULF FAQs
What would the monthly payment be for 805 39TH STREET GULF?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $22,586/mo — principal and interest, the actual property-tax bill, the $390/mo association fee 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.
How much are the HOA fees at 805 39TH STREET GULF?+
The association fee works out to $390 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 805 39TH STREET GULF?+
The most recent tax bill on record (2025) was $22,393. 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 805 39TH STREET GULF?+
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 Marathon?+
At $3,495,000, this home is listed about 295% above the Marathon median of $885,000. The market section on this page shows how the area is trending.
Which schools are assigned to 805 39TH STREET GULF?+
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
$3,495,000 runs 449% above the MARATHON 33050 median — but at 3,320 sqft it's also nearly 3 times the size of the typical Marathon listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $3,790,000, now $3,495,000 — a $295K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Rachel Gallagher. MLS #W7882829.
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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