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.

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.
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.
If you're still getting a feel for the market, these quick reads might help:
You can create a custom market report to see active, under contract, and sold properties in any Keys neighborhood.
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.
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.
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.
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.
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.
Primarily Key Largo, Tavernier, and Islamorada, with referral connections throughout the Keys and across the country for buyers purchasing outside the Upper Keys.
Paradise found!! Located in Silver Shores waterfront resort community, this home is 2 bedroom 2 bathrooms with a large screened room for entertaining. The home has an o...
Rare old town 4 unit property. On the corner of Angela and Ashe streets. This property consists of a 2 bedroom unit and 3 1 bedroom units. All units have separate water a...
Enjoy easy island living in Key Colony Beach. This furnished half duplex offers approximately 1,380 sq. ft. of comfortable living space, stainless steel appliances, impac...
OWNER FINANCING. 27452 ANGUILA LANE RAMROD KEY FOR RENT. REPAINTED INSIDE AND OUT. ALL NEW FLOORING. 1400 SQFT 180 MPH RATED 3/2 HOME. 300SQFT ENCLOSURE FOR ALL YOUR FISH...
Prime Waterfront RV Site in Venture Out - Steps from the Heated Pool & Marina! Experience the quintessential Florida Keys lifestyle from this exceptional waterfront RV...
WELCOME TO THE BUNGALOW AT EIGHT OCEAN VIEW--YOUR TURNKEY KEY LARGO RETREAT! Beautifully remodeled, tastefully furnished, and move-in ready, this charming 2-bedroom, 1.5-...
Luxury 5-Bedroom Waterfront Home in the Florida Keys Welcome to your dream retreat in Marathon, Florida! This stunning 5-bedroom, 5.5-bath residence sits on the desirabl...
Vacant Bay Side Lot with Dock Slip - Marathon, FL Build your dream home in the heart of the Florida Keys! This vacant lot on the bay side offers a rare opportunity to cr...
Water lovers, this one is for you! Adventure meets comfort in this fully renovated Coco Plum retreat, ideally positioned to enjoy the best of the Keys both on land and on...
Oceanfront Lot on Private Island with gated entry. 100' beach front on the ocean with canal frontage. Deed restricted single family residential community of only 20 lots ...
A former church with a practical second calling. At 905 Grinnell Street, four occupied residences carry monthly rents totaling $11,249. There is also off-street parking--...
An amazing opportunity awaits in beautiful Key Largo! This 1 Bedroom/ 1 Bathroom mobile home with an addition is a fixer-upper with great bones, offering huge potential a...
Two residences, two private pools, and 75 feet of dockage--an inviting combination of space, privacy, and waterfront living in Key Colony Beach. This full duplex brings f...
Open water views!. This One of a kind Florida Keys Home is a Boaters paradise. Offering only minutes to access open water. You can Park your boat or motorhome under your ...
Experience the pinnacle of oceanfront island living at Key Colony Point. Beautifully modernized and impeccably maintained, this premier 3-bedroom, 3-bathroom residence st...
A rare opportunity to own a private waterfront retreat on more than an acre in the Lower Florida Keys. Beachside at Torchview offers the space, privacy and boating access...
YOUR FLORIDA KEYS BOATING RETREAT AWAITS! 39' BOAT SLIP, 7-DAY RENTALS, AND HARBOR AND BAY VIEWS! Discover the waterfront lifestyle at Futura Yacht Club in desirable Isla...
RARE OPPORTUNITY AT FUTURA YACHT CLUB! 39' DEEDED BOAT SLIP, 7-DAY RENTALS, AND BEAUTIFUL HARBOR AND BAY VIEWS! Discover the Florida Keys lifestyle you've been looking fo...
Welcome to this elevated 3-bedroom, 2-bath home nestled in a quiet neighborhood in Big Pine Key. This well-maintained property features a BRAND-NEW 2026 ROOF, along with ...
Discover island living at this spacious two-story, 5-bedroom, 4-bathroom retreat nestled in a quiet residential neighborhood right in the heart of Key West. Perfectly pos...
Breathtaking water views and immediate ocean access set the stage for an exceptional waterfront lifestyle at this stunning and impeccably kept modern 2-story home in Som...
THE AZURE ESTATE | Where Luxury Meets Wellness. Discover a stunning, brand-new solid concrete architectural masterpiece on the open waters of Sugarloaf Key, where strikin...
OPEN WATER VIEWS. ENDLESS POSSIBILITIES. YOUR SUMMERLAND KEY WATERFRONT RETREAT. Some properties are all about the location - and this is one of them. Set along the o...
Beautifully Maintained Oceanside Waterfront Home in Key Largo! Enjoy the Florida Keys lifestyle in this inviting, move-in-ready 3-bedroom, 2-bath home situated along a p...
Located in the heart of downtown Key West's Historic Seaport, Conch Harbor Marina offers unparalleled access to both the Gulf of Mexico and the Atlantic Ocean, making it ...
4 BEDROOMS. 60 FT OF WATERFRONT. JUST $800/SF IN KEY HAVEN! Discover an exceptional opportunity to enjoy the boating lifestyle at 34 Key Haven Road. This 4 bedroom, 2 bat...
ROGO ALLOCATION AWARDED • APPROVED BUILDING PLANS • DIRECT BAY ACCESS! Exceptional opportunity to build your dream waterfront home in the desirable Sunset Waterways subdi...
Welcome to your piece of paradise in the Florida Keys! This beautifully situated 3-bedroom, 2-bathroom canal-front home offers the perfect combination of comfort, privacy...
Discover effortless waterfront living in the exclusive gated community of Shark Key. Beautifully designed and newly constructed, this stunning residence is offered fully ...
**6%+ Cap Rate Opportunity ** Now offered at $2,490,000, this income producing Old Town property offers strong cash flow and immediate investor appeal. Located just st...
Incredible Income-Producing Full Duplex | 8 Bedrooms | 6 Bathrooms | 4 Bedrooms | 3 Bathrooms per Unit | 2 Pools | 40' Dock Rare opportunity to own a highly desirable, ne...
Your opportunity to own an affordable townhome in Key West. Nestled in the back of the Solana Village complex, with no neighbors directly facing either side, this home of...
Welcome to island living and a tropical lifestyle. Embrace your tropical vibes in this gently used, newer-built home ready for all your Florida Keys needs. This waterfron...
Discover your slice of paradise at The Cay Condominiums in Key Colony Beach! This meticulously maintained 2 bedroom, 2 bath beautifully updated condo offers a tastefully ...
A rare opportunity to own one of the most extraordinary oceanfront properties in the Florida Keys, offering the exceptional combination of expansive Atlantic Ocean fronta...
This stunning 3 bedroom penthouse condo overlooks the ocean, pool, and has a bird's eye view of the Gulf. Brilliant white, crisp kitchen with updated appliances and sma...
PRICE IS NOT THE ONLY IMPROVEMENT!! Discover the potential in this elevated 3 bedroom home in Pamela Villa, with cathedral ceilings, crown molding, and vinyl plank floo...
Discover this 1 bedroom / 1 bath condo at The Palms of Islamorada, ideally located in the heart of Islamorada on Upper Matecumbe Key. Offering 827sf of living space, this...
Penthouse living with ocean and canal views, a private garage, and your own boat slip with a 10,000-lb lift--welcome to Treasure Cay in Marathon's Coco Plum neighborhood....
Exceptional waterfront living in prestigious Sugarloaf Shores! Built in 2020, this stunning 4-bedroom, 3-bath home offers breathtaking open water views, spectacular sunri...
Prior to the development of Truman Annex which was a notable Naval base located in the center of Key West, now has many upscale homes and condos. This newly renovated 3-b...
Charming Home in the Meadows, Old Town, Key West. This beautiful completely renovated one bedroom cottage on Pearl Street is move in ready, and is being sold furnished. ...
Discover the charm of Florida Keys waterfront living on two full lots in beautiful Big Pine Key! This well maintained concrete block home offers an inviting blend of comf...
This stunning 5-bedroom, 5-bathroom home, completely reimagined and rebuilt in 2023, offers 3,062 sq. ft. of luxurious living space on a 5,040 sq. ft. lot. Featuring 9-fo...
Rarely do the lines intersect between architectural excellence, positioning, thoughtfulness, and elite water access, until now. Set on a private street in downtown Islamo...
A rare opportunity to own a piece of Florida Keys history in the heart of Historic Tavernier. Built in 1934, this authentic Keys cottage dates back to a remarkable chapt...
Tropical Keys Oasis - Waterfront Luxury Living Come experience this completely renovated, one-of-a-kind tropical oasis that feels like you have checked into a luxury ...
Start enjoying the Florida Keys lifestyle in this charming 2-bedroom, 1-bath manufactured home in the desirable Oceanside community of Wynken, Blynken & Nod Estates! Whet...
CASA COLADA is a stunning, newly constructed home in Key Largo, with direct bay access & open-water views. This home is designed for both relaxation and entertainment. Th...
Live La Dolce Vita in Key Largo! An extraordinary opportunity to experience the ultimate in privacy, serenity, and waterfront living from this spectacular peninsula point...
Fully restored historic 3BD/3BA with 1,600 sq ft of total living space in the heart of Old Town, with pool, private guest cottage, and off-street parking, located in X fl...
Endless blue water, expansive skies, and an exceptional point setting create a memorable first impression at 1017 Picard Lane. Positioned at the end of a cul-de-sac share...
Discover the Florida Keys lifestyle in this charming 3-bedroom, 2-bath canal-front home offering 1,928 sq. ft. of living space on an 8,000 sq. ft. lot in Big Pine Key. Si...
If you've been looking for a turnkey canal home in the Upper Keys where you can unpack, launch the boat, and start enjoying island life, this one is ready for you. Thi...
Bring your vision to this spacious corner-lot stilt home on Big Pine Key! Low Assumable mortgage for qualified buyers. Just a short stroll from Big Pine Key Community ...
This well appointed single-family home is located within The Sanctuary, an exclusive gated community of just 26 residences at Hawks Cay. Offering spacious indoor and outd...
Turn your dream home into reality. Discover the opportunity to create your own private retreat in the exclusive and highly desirable community of Duck Key, Florida. This ...
Discover a rare oceanfront paradise in the Florida Keys, situated on 1.35 acres of private oceanfront property featuring an extraordinary stretch of natural sandy beach, ...
***Beautifully maintained, thoughtfully improved, and ready for its next chapter in Key West!*** Discover a home where quality, comfort, and island living come together ...
Excellent development opportunities on this large Mixed Use commercial waterfront parcel with 200 feet of direct US Highway 1 frontage. 2.1 +/- upland acres and 1.47 acre...
HANDYMAN SPECIAL - Priced to Sell! Opportunity knocks with this 2-bedroom, 1-bath RV park model featuring a permitted screened addition and a spacious outdoor entertainm...
Build your dream home in Key Largo Ocean Resort! We call it Serenity. This waterfront lot in the sought-after Key Largo Ocean Resort has architectural plans; which style ...
Welcome to 1320 Eliza Street, a beautiful historic Key West home filled with Old World charm and character. Once serving as a local schoolhouse, this unique property sits...
Stunning coastal architecture. Exceptional craftsmanship. Effortless waterfront luxury. This BRAND new home pairs classic Keys architecture with modern coastal elegance a...
Life on the water begins the moment you arrive at this brand-new Florida Keys retreat. Sweeping open water views stretch from nearly every room, and the home is ready to ...
NEW LISTING! The home is located just minutes away from Key West at MM10, offering a serene island oasis while remaining conveniently close to everything. The spacious lo...
Stunning brand-new waterfront estate offering 6 bedrooms and 8 bathrooms with modern designs and luxury finishes throughout. The gourmet kitchen features premium Sub-Zero...
Welcome to your private tropical retreat in the heart of Key West! Located on a quiet lane, just one block from Duval Street and a short walk to the Southernmost Point...
Wake Up to Ocean Views and the Florida Keys Lifestyle! Enjoy breathtaking, unobstructed ocean views and beautiful sunrises from this well-maintained top-floor 1-bedroom, ...
Opportunity awaits to bring your vision to life! This 14,300-square-foot parcel encompasses approximately one-third of an acre, with 130 feet of frontage and 110 feet of ...
Build Immediately with Active Building & Pool Permits Included. This Bay Front/Gulf Front open-water lot offers 14,746 sq. ft. of waterfront opportunity with beautiful wi...
Brand-New Waterfront Home - Completed and Move-In Ready. This elevated CBS single-level residence offers 4 bedrooms, 3 bathrooms, 10-foot ceilings, impact-rated windows a...
Exceptional quality and superior craftsmanship are evident throughout this beautifully appointed 2023-built residence in Key Largo Ocean Resort. Offering 1,800 square fee...
Existing improvements include a duplex and single-family home! Rare Florida Keys mixed-use development opportunity with approx. 124,300 sq. ft. of uplands plus additional...
Existing improvements include a duplex and single-family home! A compelling investment and redevelopment opportunity in the heart of Marathon, this multi-family property ...
ASSUMABLE 5.625% VA LOAN! Discover your private Key West retreat at 1414 18th Street, where a beautifully renovated home, inviting tropical pool, and attractive financing...
Welcome to 3801 Flagler Avenue in beautiful Key West! A stunning home designed for luxury, comfort, and privacy, offering the perfect indoor/outdoor island lifestyle. ...
You must come see this beautiful two-bedroom, two-bath home in New Town, featuring an oversized lot of over 8,000 square feet, a beautiful pool, and a tropical outdoor oa...
A truly rare opportunity in the Florida Keys! Welcome to 554 Ocean Cay, an exceptional oceanfront building lot located within an exclusive gated community in Port Largo, ...
Tropical outdoor living meets the comfort of newer construction at 1607 Sunshine Drive! Built in 2014 this 3 bedroom 3 bath home offers a wonderful combination of privacy...
WATERFRONT PARADISE IN THE MAKING! TROPICAL TREASURE & ENDLESS POSSIBILITIES! 17155 Hibiscus Lane | Sugarloaf Key, FL Some properties have potential. This one alread...
Discover the laid-back Florida Keys lifestyle in this spacious 2-bedroom, 2-bath waterfront mobile home offering 1,041 sq. ft. of living space on Geiger Key, with excepti...
Spectacular Florida Bay views take center stage in this fourth-floor waterfront condominium at Rock Harbor Club! Offering 1,685 square feet of living space, the condomini...
One of the best buildable lots in the City of Marathon for large boats and immediate ocean access. Can't find the right home? Build your own! 11,354 square foot right on ...
One of the best buildable lots in the City of Marathon for large boats and immediate ocean access. Can't find the right home? Build your own! 10,444 square foot right on ...
RARE RUNWAY-TO-REEF LIVING Fly in. Boat out. Live the Florida Keys lifestyle few properties can offer. At 86 S Airport Drive on Summerland Key, aviation and boatin...
Build new in Old Town, steps from the Atlantic. 711 Waddell Street offers something Key West's Historic District seldom allows: the opportunity to remove the existing 195...
BAYFRONT OPPORTUNITY | Sunset Hammock, Unit 1D Direct bayfront living with a 28-foot boat slip! Rarely available, Unit 1D at Sunset Hammock offers a special opportunity...
A CASA MARINA ORIGINAL. Some houses capture a moment in time. Others seem to have understood, from the beginning, what makes Key West such an extraordinary place to li...
Double waterfront MM 2 in Key West. Presenting a rare opportunity to acquire a distinguished single-family waterfront home on highly desired Hilton Haven Drive, a truly u...
Discover this exceptional oceanfront property on Grassy Key in Marathon, Florida! Fully remodeled, this solid-concrete home offers breathtaking ocean views and the ultima...
Experience waterfront luxury in Key Largo's Stillwater enclave. This turnkey smart home offers 4 bedrooms, 3 full baths and 1 half bath, complemented by a heated in-groun...
Rare RV Lot with Boat Davits | $450,000 Discover your own slice of paradise in Venture Out! This exceptional RV lot features boat davits right on the property--a rarely ...
Welcome to serene lane living in the heart of Old Town. Enjoy a beautifully updated 2bd/1ba with soaring vaulted ceilings throughout. This shotgun style floor plan has b...
Your private island retreat awaits. Discover the ultimate in low-maintenance living with this charming, turnkey 3-bedroom, 2-bath single-level home, perfectly positioned ...
Your boat, your backyard, the Atlantic just beyond the canal. Welcome to Breezeswept Dockside Retreat, a turnkey waterfront home on Ramrod Key designed for those who want...
Coastal Paradise with Income Potential! Stunning 2BR/2BA Home Steps from the Ocean. Embrace the ultimate coastal lifestyle in this beautifully maintained 2-bedroom, 2-ba...
KEY LARGO SUNSHINE RETREAT | Low Maintenance | ROGO-Exempt | X Flood Zone | Dead End Street | 1 hour to Miami Int'l Airport Peace, quiet, and prime location priced to mov...
Secluded CBS Stilt house features 4 bedrooms, 3 bathrooms, and a metal roof. Surrounded by natural foliage, it sits on a 15,000 sq. ft. double lot in Crains Subdivision. ...
Beautifully renovated 3-bedroom, 2.5-bath townhome offering a perfect blend of style, comfort, and outdoor living. The stunning chef's kitchen features custom wood cabine...

Jim Signor: 305-394-4449