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Buying a Home in the Florida Keys
Whether you're looking for a weekend escape, a place to retire, or a full-time waterfront home, buying in the Florida Keys comes with unique factors that most mainland buyers aren't prepared for. Flood zones, insurance costs, conservation easements, rental restrictions, and boating access all matter here in ways that can affect financing, value, and how you actually use the property.
A Smarter Way to Search
Plenty of buyers rely on listing alerts and hope the right home appears. That's a start, but I take things further. For clients who are actively looking, I go beyond the MLS by checking with other agents, exploring off-market opportunities, and keeping an eye on listings that may not be widely promoted. You'll still get real-time updates, with added insight and an active approach focused on your goals.
2024 Buyer Rule Changes
As of mid-2024, new industry rules require buyers to sign a written agreement with their agent before touring homes. Compensation details were also removed from MLS listings. There's been a lot of confusion out there, but the core process of buying a home hasn't changed nearly as much as the headlines suggest. I'll explain what it means and help you move forward with confidence.
Helpful Resources for Buyers
If you're still getting a feel for the market, these quick reads might help:
- Home Inspections in the Florida Keys - Read this before you buy. Shortcut to video.
- Saved Search Still Working for You? - Tips for refining alerts so you're not missing out.
- Home Buyer Advantage - How to avoid missing the best homes.
- Is Key Largo a Good Place to Buy a Vacation Home? - A smart choice for buyers who want tropical charm and easy access.
- More Buyer-Focused Blog Posts - Explore additional content for buyers.
Track Any Neighborhood
You can create a custom market report to see active, under contract, and sold properties in any Keys neighborhood.
Buying Outside the Keys?
If you're relocating or looking for a second home elsewhere, I can connect you with experienced agents across the country. I only refer to trusted professionals who know their local markets as well as I know the Florida Keys.
Ready to Talk?
Whether you're early in the process or actively looking, I'm here to help. Contact me or schedule a call - no pressure, just real answers from someone who lives and works here.
Frequently Asked Questions
What should I know before buying a home in the Florida Keys?
Flood zone designations, insurance costs, conservation easements, rental restrictions, and boating access all affect financing, insurability, and long-term value here in ways that differ significantly from the mainland. Knowing these factors before you make an offer can save you significant time and money.
Do buyer agents in Florida need a written agreement before showing homes?
Yes. As of mid-2024, buyers must sign a written agreement with their agent before touring homes. Compensation details were also removed from MLS listings. The core buying process hasn't changed significantly, but it's worth understanding what the agreement covers before you sign.
Can I find off-market homes for sale in the Florida Keys?
Yes. Some sellers prefer privacy and do not list publicly. Working with a local agent who has relationships with other agents and access to upcoming listings can uncover homes that never appear on the MLS.
What areas of the Florida Keys do you serve for buyers?
Primarily Key Largo, Tavernier, and Islamorada, with referral connections throughout the Keys and across the country for buyers purchasing outside the Upper Keys.
Florida Keys Homes
Welcome to 410 85th Street Ocean in Marathon, an oceanside waterfront home offering 3 bedrooms, 2 baths, and approximately 1,409 square feet of living space with direct a...
- 3 Beds
- 2 Baths
- 621265 MLS
RARELY AVAILABLE AT FUTURA YACHT CLUB! This beautifully remodeled end-unit townhome offers an exceptional Florida Keys lifestyle, complete with two side-by-side deeded bo...
- 2 Beds
- 3 Baths
- 621264 MLS
Discover the island lifestyle in this canal-front pool home with a 40 ft. concrete dock, 10,000 lb. boat lift and privacy-fenced back yard. Perfectly positioned on the 4t...
- 3 Beds
- 2 Baths
- 621263 MLS
'Key Largo Home Comes With a Beach & Boat Ramp!' Move-In Ready Island living with private waterfront Homeowners Park! Built in 2018, this solid concrete home offers t...
- 3 Beds
- 2 Baths
- 621262 MLS
Exceptional Brand New Waterfront Home in a prime Plantation Key location. This striking three-level contemporary residence offers 60 feet of protected deep-water dockage...
- 4 Beds
- 4 Baths
- 621261 MLS
Discover the possibilities on this spacious 1.11 Acre property in Homestead, situated in an area experiencing nearby residential development. Enjoy a peaceful, rural sett...
- 621259 MLS
Waterfront opportunity in Key Largo! This rare offering includes two lots with approximately 200 feet of crystal-clear bay frontage, breathtaking sunset views, and calm, ...
- 621254 MLS
Welcome to 41 Sunset Rd, Key Largo, FL--a beautifully totally remodeled and move-in ready home offering the laid-back Keys lifestyle you've been looking for. This 2-bedro...
- 3 Beds
- 2 Baths
- 621253 MLS
Two combined lots totaling just over 10,000 square feet put this Harris Ocean Park home ahead. Concrete roof and concrete block construction give it real Keys-built durab...
- 3 Beds
- 2 Baths
- 621256 MLS
Situated in Duval Square along Key West's Duval Street, this approximately 1,592 SqFt commercial property consists of two combined condominium units currently configured ...
- 2 Baths
- 621255 MLS
Need a boat slip with easy access to the ocean and to your home in the Lower Keys? You found it! A very well-protected marina on the leeward side of the island. Boat Sli...
- 621252 MLS
Looking for a truly unique opportunity in the Florida Keys? Check out these 2 Custom Luxury CBS Pool Homes that are side by side! Live in one, and rent the other, corpor...
- 8 Beds
- 8 Baths
- 621248 MLS
Located off the 500 block of Duval Street. High traffic location on Appelrouth Lane between Duval Street and Whitehead Street. This is real estate only. Business is not f...
- 1 Baths
- 621247 MLS
A rare combination of land, privacy, boating, and open-water living awaits on approximately half an acre of Gulf-front paradise in Grassy Key. With panoramic water views,...
- 2 Beds
- 2 Baths
- 621246 MLS
Welcome to your own piece of paradise in the heart of Key Largo! This beautifully positioned property at 325 Calusa St #259 offers the ultimate island lifestyle, blending...
- 2 Beds
- 1 Baths
- 621245 MLS
New construction waterfront home with all the bells and whistles. Situated on a large corner lot of nearly 14,000 sq. ft., the property features two electric gated entran...
- 4 Beds
- 5 Baths
- 621244 MLS
The Building Right Is Secured. The Site Is Prepped. The Dock Is Done. Utilities Are In. The Only Thing Left Is the House. For buyers who have dreamed of building a custom...
- 621243 MLS
Two bedroom 2.5 bath in Key Largo MM 100 on the Bayside, Ocean front property, very unique condo nestled on 24 acres of lush tropical hardwood, with only a total 38 units...
- 2 Beds
- 3 Baths
- 621242 MLS
Perfect Florida Keys townhouse with proven Rental Income! Located in resort style Mariners Club Key Largo - gated community, unit offers a unique opportunity to rent as a...
- 4 Beds
- 4 Baths
- 621241 MLS
Price Improvement, Family looking to relocate due to medical reasons, all offers welcome. Own a haven in the Keys. This multifamily duplex-style home with a bonus s...
- 6 Beds
- 5 Baths
- 621240 MLS
Tucked away on a quiet lane just off Frances Street, this charming historic cottage offers the character and location that make Old Town Key West so special. This three-b...
- 3 Beds
- 2 Baths
- 621237 MLS
Welcome Home! You CAN have it all! This beautiful oceanside CBS home in desirable Port Largo offers 4 bedrooms and 3 baths, including downstairs guest suite above flood e...
- 4 Beds
- 3 Baths
- 621236 MLS
Experience Mediterranean elegance and open-water living at this private oceanfront estate, featuring a pool, all set on a gated 10,545 sq. ft. lot in prestigious Key Col...
- 5 Beds
- 6 Baths
- 621235 MLS
Experience modern Keys living at its best in this pristine 2023-built waterfront half duplex, boasting an exceptional boater's asset: a 49-foot concrete dock! Far exceedi...
- 3 Beds
- 3 Baths
- 621231 MLS
Set along the water in sought-after Key Colony Beach, this 4-bedroom, 2-bath home captures everything buyers love about the Florida Keys--boating, a private pool, generou...
- 4 Beds
- 2 Baths
- 621230 MLS
Your dream Florida Keys waterfront escape starts here--built for boaters who need extra space! Built in 2023, this sleek 3-bedroom, 3-bath residence features a rare 49-fo...
- 3 Beds
- 3 Baths
- 621229 MLS
Ocean's Edge Cottage -- a rare oceanfront opportunity in Key Largo, offering expansive open-water views, protected dockage and immediate direct access to the Atlantic. Si...
- 3 Beds
- 2 Baths
- 621228 MLS
Florida Keys living starts here at this 1152 sq. ft. canal-front home with over 65 ft. of concrete seawall and room to enjoy the laid-back island lifestyle that we love i...
- 3 Beds
- 2 Baths
- 621225 MLS
Corner lot with over 120 feet of street frontage in a part of Stock Island seeing continued investment and redevelopment. You own the land with NO HOA or lot rent, plus a...
- 3 Beds
- 2 Baths
- 621224 MLS
Ocean views - what a gem! This elevated two-bedroom half-duplex offers tons of natural light and peaceful peek-a-boo ocean views from the living area, front porch and fab...
- 2 Beds
- 1 Baths
- 621223 MLS
This is a great opportunity to purchase a Concrete Block Deep Water Access Canal Front Home in the Heart of Marathon on the Gulf side of US 1 below $1M. With about a 4 fo...
- 3 Beds
- 2 Baths
- 621222 MLS
This home is special and just waiting for the next family to make memories here. Tucked among lush tropical landscaping, this inviting Islamorada home offers the perfect...
- 4 Beds
- 2 Baths
- 621221 MLS
750 Madrid Road - Key Largo, Florida Beautifully Updated 2-Bedroom, 2-Bath Home in a Great Key Largo Family Neighborhood! This beautifully updated 2-bedroom, 2-bath...
- 2 Beds
- 2 Baths
- 621220 MLS
Fully licensed 7 day vacation rental property now offered at Bonefish Yacht Club Townhomes, a Middle Keys premiere boating community cloistered around the 50 slip Bonefis...
- 2 Beds
- 3 Baths
- 621219 MLS
Welcome to your waterfront escape in Key West. Located within a gated community, Gulfview Pointe offers the perfect blend of island charm, comfort, and an exceptional wat...
- 3 Beds
- 3 Baths
- 621218 MLS
Your Slice of Paradise -- 12 Miles from Key West Tucked at the end of a quiet cul-de-sac, this beautifully appointed 2020-built home puts you one house in from open wa...
- 3 Beds
- 2 Baths
- 621217 MLS
Discover the potential of this concrete constructed, waterfront pool home tucked away on tranquil Flamingo Island. Offering the ideal opportunity to renovate, personalize...
- 3 Beds
- 2 Baths
- 621216 MLS
Step back into timeless Key West soul, where leaf-stamped garden paths, sun-dappled outdoor showers, and the gentle trickle of private pool waterfalls create an unforgett...
- 6 Beds
- 7 Baths
- 621215 MLS
Bonefish Towers located on Coco Plum is all about the water views. This beautifully updated 1 Bedroom, 1.5 Bathroom 5th floor condo has been totally renovated only a few ...
- 1 Beds
- 2 Baths
- 621214 MLS
At the very tip of a private peninsula in the heart of the Florida Keys, this stunning Gulffront property delivers the ultimate waterfront lifestyle. Built in 2022, this ...
- 5 Beds
- 5 Baths
- 621212 MLS
Welcome to 14 Spoonbill Way, an exceptional single-family residence nestled within the sought-after golf club community offering a relaxed, resort-style lifestyle in Key ...
- 3 Beds
- 3 Baths
- 621211 MLS
Experience elevated coastal living in this stunning NEW CONSTRUCTION waterfront residence, perfectly positioned canal-front on the desirable Bay side. Thoughtfully design...
- 3 Beds
- 2 Baths
- 621209 MLS
Opportunity knocks with this spacious CBS direct oceanside home offering 4 bedrooms, 3 baths and over 2,400 square feet of living space, located just three homes in from ...
- 4 Beds
- 3 Baths
- 621208 MLS
Waterfront living at Mariner's Club in Key Largo! One of only three residences in the entire community offering desirable views from both sides, this spacious 4BR/3BA res...
- 4 Beds
- 3 Baths
- 621206 MLS
New commercial property with excellent highway visibility, Suburban Commercial Zoning, flexible use potential, and room for expansion. Located across three platted lots w...
- 1 Baths
- 621205 MLS
Seller Financing possible, call for terms. Solid CBS construction in the heart of historic Tavernier. Built in 2018, this well-maintained 3-bedroom, 2-bath home offer...
- 3 Beds
- 2 Baths
- 621202 MLS
Welcome to your Florida Keys retreat at Summer Sea! Enjoy bay views from your private open deck area. This 2-bedroom, 1.5-bath condo offers updates throughout and coastal...
- 2 Beds
- 2 Baths
- 621201 MLS
Nestled in the heart of Old Town Key West, this historic gem boasts an impeccable blend of classic architecture and modern amenities. With a rich history dating back to t...
- 2 Beds
- 3 Baths
- 621199 MLS
Exclusive New Construction in Big Pine Key, Florida Discover the perfect blend of modern luxury, coastal living, and exclusive design in this stunning newly constructe...
- 3 Beds
- 2 Baths
- 621198 MLS
A TRANSIENT LICENSED vacation rental located in the heart of Old Town Key West, the X flood zone and just 2.5 blocks from world famous Duval Street. The transient licens...
- 1 Beds
- 1 Baths
- 621189 MLS
Florida Keys living at its best! Absolutely lovely and truly a must see deepwater dockage with concrete dock and 20 thousand pound boatlift for your large boat 3 Bedro...
- 3 Beds
- 2 Baths
- 621197 MLS
Spacious 7 bedroom Key Colony Beach pool home featuring a brand-new metal roof and 3,696 square feet under air, plus a huge screened-in porch overlooking the sensational ...
- 7 Beds
- 4 Baths
- 621196 MLS
Mid Town Marathon Townhome -- Deed Restricted Affordable Housing Spread out in this 3-bedroom, 3-bath half-duplex built for townhome-style living across three full flo...
- 3 Beds
- 3 Baths
- 621193 MLS
This spacious Big Pine Key home is situated on a lushly landscaped 12,500 sq. ft. double lot and offers 2,136 sq. ft. of living area with 4 bedrooms, 2 baths, fresh inter...
- 4 Beds
- 2 Baths
- 621188 MLS
Welcome to this stunning 4-bedroom, 4.5-bathroom waterfront home in highly desirable Key Largo, ideally located just five homes from the open ocean. This beautifully appo...
- 4 Beds
- 5 Baths
- 621186 MLS
Perched above the shimmering Coco Plum Channel, this beautifully reimagined one bedroom, one- and-a-half bath residence at Bonefish Towers offers ocean views from every w...
- 1 Beds
- 2 Baths
- 621184 MLS
Brand-New Waterfront Luxury Home in the Florida Keys Discover the ultimate Florida Keys lifestyle in this stunning new construction waterfront home featuring 4 spaciou...
- 4 Beds
- 3 Baths
- 621183 MLS
CBS home on a large lot in Islamorada's desirable Edenaire! This concrete 2 bedroom, 2 bath house has a metal roof, impact windows and doors, and is in an X flood zone. H...
- 2 Beds
- 2 Baths
- 621182 MLS
Brand-New Waterfront Home in the Florida Keys Discover the perfect blend of modern luxury and relaxed island living in this stunning brand-new construction home in the F...
- 4 Beds
- 3 Baths
- 621181 MLS
Brand-New Waterfront Home in the Florida Keys Discover the ultimate Florida Keys lifestyle in this stunning brand-new construction, perfectly designed for those who love ...
- 3 Beds
- 3 Baths
- 621180 MLS
Stop Paying Rent -- Own Your Own Building! Take your business to the next level with this exceptional commercial property in an ideal location. Featuring 130 feet of hig...
- 4 Beds
- 2 Baths
- 621177 MLS
Welcome to 11295 6th Ave Gulf -- a waterfront corner lot in one of Marathon's best-kept-secret neighborhoods. Nestled on a quiet street directly across from a nature pres...
- 3 Beds
- 2 Baths
- 621176 MLS
This canal-front home offers the perfect blend of comfort, convenience, and the laid-back Florida Keys lifestyle. Located on a corner lot and built with durable CBS const...
- 2 Beds
- 2 Baths
- 621174 MLS
Build your dream home in a desirable subdivision in Key Largo. This vacant TIER 111 lot offers a fantastic opportunity to create your own slice of paradise in the heart o...
- 621173 MLS
If you are seeking a private tropical backyard oasis look no further. This charming 2 story home is situated on a corner parcel in a quiet and peaceful mid town neighborh...
- 3 Beds
- 4 Baths
- 621172 MLS
This tropical Sombrero Beach 2-Home Compound is set on a spacious 17,600 sq ft fenced lot with Pool, 2 Tikis and located just 2 properties in from the ocean. Fantastic ...
- 5 Beds
- 4 Baths
- 621171 MLS
Discover your slice of paradise in the Florida Keys at the exclusive Tamarind Bay Club, where waterfront living meets modern coastal style. This updated waterfront condo ...
- 2 Beds
- 2 Baths
- 621151 MLS
Key Largo 3 Bedroom / 3 Bathroom CBS home located in an X flood zone and room for a pool! NEW METAL ROOF 2026. This well-maintained property sits on a nearly half-acre ...
- 3 Beds
- 3 Baths
- 621109 MLS
A versatile multi-unit opportunity in the heart of Tavernier. Offering separate residences with a combined total of 5 bedrooms and 4 bathrooms, this property is well-suit...
- 5 Beds
- 4 Baths
- 621099 MLS
Welcome to 22968 Drake Lane -- a charming canal-front home located on the desirable Cudjoe Key, one of the Lower Keys' wonderful communities. Set on a generous 7,500 SF l...
- 3 Beds
- 2 Baths
- 621169 MLS
Brand-new waterfront construction in Marathon's desirable Coco Plum neighborhood, offering 5 bedrooms, 5 bathrooms, 3,458 square feet under air, and 5,204 total square fe...
- 5 Beds
- 5 Baths
- 621167 MLS
New construction waterfront living in the heart of Coco Plum. This beautifully designed 4-bedroom, 3-bath residence combines modern coastal style, exceptional outdoor liv...
- 4 Beds
- 3 Baths
- 621168 MLS
This beautifully updated one-bedroom, one-bath condo sits on a 200-foot-wide canal with 4-foot control depth and an assigned boat slip which is number 32- second from boa...
- 1 Beds
- 1 Baths
- 621165 MLS
Tucked along a wide, deep canal, this concrete 3 bedroom, 1 bath home offers a thoughtfully designed split floor plan that creates privacy and flexibility rarely found in...
- 3 Beds
- 1 Baths
- 621164 MLS
NEW LISTING IN OLD TOWN WITH OFF STREET PARKING! This Old Town investment property comes fully furnished so you can move right in or start renting immediately. It is a l...
- 2 Beds
- 4 Baths
- 621163 MLS
Set on a quiet, tree-lined block in one of Key West's most sought-after residential pockets, this thoughtfully reimagined 4BD/3BA residence offers just over 2,000 square ...
- 4 Beds
- 3 Baths
- 621162 MLS
Set along a peaceful canal on Cudjoe Key, this 2016 residence pairs solid CBS construction with an unmistakably elevated sense of island living. This 4 bedroom, 3.5 bath ...
- 4 Beds
- 4 Baths
- 621161 MLS
NEW LISTING IN OLD TOWN WITH OFF STREET PARKING! This Old Town investment property comes fully furnished so you can move right in or start renting immediately. It is a l...
- 2 Beds
- 4 Baths
- 621159 MLS
Rarely available 3-bedroom residence in Solana Village, ideally situated in Key West's New Town neighborhood. This top-floor unit offers an excellent investment opportuni...
- 3 Beds
- 2 Baths
- 621158 MLS
Welcome to island living at 141 Golf Club Drive, nestled within the gated Key West Golf Club community. This inviting two-bedroom, one-and-a-half-bath townhome offers the...
- 2 Beds
- 2 Baths
- 621157 MLS
Tucked into the natural landscape of Grassy Key, 235 Tropical Avenue offers a unique combination of space, privacy and the unhurried character that defines life in the Mi...
- 4 Beds
- 3 Baths
- 621156 MLS
Beautifully renovated fully furnished mobile home! Open kitchen! A wonderful tropical oasis centrally located in Key Largo close to schools and shopping & a quick 45 minu...
- 2 Beds
- 2 Baths
- 621155 MLS
Plenty of room to live your best life! Enjoy the resort style backyard and the multi-generational flexibility of 2,500 square feet under air at 8055 Tuna Drive. This spac...
- 5 Beds
- 5 Baths
- 621154 MLS
Private. Luxurious. Waterfront. Boater-focused. This is more than a home it is an opportunity to experience the Florida Keys exactly as they were meant to be enjoyed. T...
- 3 Beds
- 3 Baths
- 621153 MLS
Exquisite, turnkey resort living awaits in this fully furnished 2-bedroom, 2-bathroom oceanfront condominium, offering an effortless transition into Key West luxury just ...
- 2 Beds
- 2 Baths
- 621152 MLS
Beautiful Tropical canopy with circular driveway this home is set a distance from the road with lots of privacy grassy fenced in area for peaceful enjoyment could add a ...
- 2 Beds
- 2 Baths
- 621150 MLS
Dreams Can Come True in this Affordable Turn-Key Home! Enjoy the Florida Keys waterfront lifestyle at this elevated 3 bedroom, 2 bathroom, lushly landscaped, canal-front ...
- 3 Beds
- 2 Baths
- 621148 MLS
A rare and unique income producing Hotel in Marathon. Tropical Cottages is a boutique & profitable Mom and Pop Motel. Total of 11 valuable Transient Licenses, 13 Rooms ...
- 13 Beds
- 13 Baths
- 621147 MLS
Move-in ready and thoughtfully updated top to bottom, this full duplex offers two versatile living spaces with major systems and finishes refreshed in recent years. Each ...
- 4 Beds
- 2 Baths
- 621145 MLS
Discover one of Old Towns true hidden gems at Andrews Inn, a turnkey six-unit B&B offering an exceptional blend of privacy, iconic island charm, and income potential. Tuc...
- 6 Beds
- 6 Baths
- 621143 MLS
Prime Commercial property for sale on Stock Island! Located on Laurel Ave, with convenient access to Overseas Hwy. Property sits behind the free-standing CVS at MM 5. ...
- 1 Baths
- 621142 MLS
Luxurious, Modern, Historic, & Impeccably Remodeled. Welcome to 411 Louisa Street, located in the heart of Old Town Key West, less than a block from Duval Street's top di...
- 5 Beds
- 5 Baths
- 621141 MLS
Here is your opportunity to own a piece of paradise in Key West! This inviting home offers a great opportunity to start living in one of the most unique destinations in ...
- 2 Beds
- 2 Baths
- 621140 MLS
OPEN WATER VIEWS - BRAND NEW CUSTOM WATERFRONT HOME - DOUBLE LOT & MOVE IN READY. This ELEVATED 3 bedroom, 2 bathroom CBS home is a must see! Solid steel and concrete, ...
- 3 Beds
- 2 Baths
- 621138 MLS
One WET Transferable Building Right to use for market-rate residential construction in the Village of Islamorada. Buyer to verify with the Village if TDR is applicable t...
- 621137 MLS
514 Emma is a wonderful single-family home located in Truman Annex. The first floor features a large, updated chef's kitchen with double wall ovens, double refrigerator/f...
- 4 Beds
- 3 Baths
- 621135 MLS
Your place in Key West awaits. Located in Midtown, just minutes from the energy of Duval Street, this updated two-unit property offers the flexibility to live here, escap...
- 4 Beds
- 2 Baths
- 621134 MLS
Built in 2024 and ready for island living! Welcome to 30851 Baileys Lane, a beautifully designed 3-bedroom, 2-bath waterfront home offering 1,120 sq. ft. of modern coasta...
- 3 Beds
- 2 Baths
- 621133 MLS
Oceanfront views, a private concrete dock, and turnkey renovations just 15 minutes from Key West. This elevated 2-bedroom, 2-bath home in the Saddlebunch Keys offers the ...
- 2 Beds
- 2 Baths
- 621131 MLS
Positioned in the coveted X flood zone, this 2-bedroom, 2-bathroom townhome perfectly blends Old Town charm with modern convenience. As one of only two units in an exclus...
- 2 Beds
- 2 Baths
- 621130 MLS
