How do I schedule a tour of 21650 Overseas Highway, FL 33042?

Use the Tour button on this listing to request a showing of 21650 Overseas Highway, FL 33042. Pick a day and time and choose an in-person or video-chat tour, and a Pure Equity agent will confirm your visit, often the same day.

Is 21650 Overseas Highway, FL 33042 still available?

21650 Overseas Highway, FL 33042 is currently listed as Active, and has been on the market 1 day. Status updates directly from the MLS as homes go under contract, so ask us to confirm availability before you plan a visit.

How much is the monthly payment for 21650 Overseas Highway, FL 33042?

With 20% down ($199,800) on the $999,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 21650 Overseas Highway, FL 33042 is about $5,250/mo, before property taxes, insurance, and HOA dues. Use the payment estimate on this page to adjust the down payment and rate.

How do I get pre-approved to buy 21650 Overseas Highway, FL 33042?

Getting pre-approved shows sellers you're a serious buyer and clarifies your true budget before you offer on 21650 Overseas Highway, FL 33042. Contact Pure Equity and we'll connect you with a trusted local lender to review your financing options, no obligation.

Does 21650 Overseas Highway, FL 33042 have an HOA fee?

Yes: 21650 Overseas Highway, FL 33042 carries an HOA fee of about $382 monthly. HOA dues usually cover community amenities and shared maintenance; ask us for the current budget, rules, and exactly what's included.

What schools serve 21650 Overseas Highway, FL 33042?

21650 Overseas Highway, FL 33042 is zoned for Sugarloaf (elementary), Sugarloaf (middle), Key West (high). School assignments and boundaries can change year to year, so confirm current zoning with the local school district before you buy.

Can I negotiate the price of 21650 Overseas Highway, FL 33042?

Often, yes. The right offer on 21650 Overseas Highway, FL 33042 depends on how it's priced against comparable single family sales in Summerland Key, how long it's been listed, and how motivated the seller is. Pure Equity will run the comps and help you craft a competitive, well-supported offer.

Active

1 Day on Market

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$999,000

21650 Overseas Highway

Summerland Key, FL 33042

SACARMA

Explore the area: Monroe County real estate

Price Check

How this price compares

List price: $999,000
Price per sq ft: $864
Original price: Unchanged
Days on market: 1

This 2-bedroom single-family home is listed at $999,000, or $864 per square foot. It has been on the market for 1 day.

Bedrooms

Bathrooms

1,156

Living Sq Ft

2007

Year Built

Estimated monthly payment

$5,250 /mo

Principal and interest only, based on $199,800 down (20%), a 6.875% 30-year fixed rate. Property taxes, homeowners insurance, and the $382/mo HOA are not included.

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Listing Snapshot

Price: $999,000
Days on Site: 1 Days
Bedrooms: 2
Total Baths: 3
Full Baths: 3
Partial Baths: 0
Living Area: 1,156 sqft
Total Sq Ft: 1,917 sqft
Lot Size: 0.02 Acres
Year Built: 2007
Property Type: Single Family
MLS #: A12116383
Property Tax: $5,854 (2025)
HOA Fees: $382 / Monthly
Subdivision: SACARMA
County: Monroe
Status: Active

About This Property

Experience the best of the Lower Keys with this rare opportunity to own a property that blends personal enjoyment with exceptional income potential. Whether you're searching for a private waterfront getaway, vacation retreat, or proven income-producing investment, this property delivers on all fronts.Successfully operated as a short-term rental since 2018, this home has consistently generated over $100,000 annually in rental income, offering a turnkey investment opportunity while enjoying the Florida Keys lifestyle.One of the property's most valuable features is its fully transferable transient rental license, valued at approximately $400,000. Unlike many Lower Keys properties with strict rental limitations, this license allows hotel-style rentals with no minimum night restrictions — a rare and highly desirable advantage.Each home includes a private dock slip, perfect for boats, jet skis, kayaks, and other water toys. This exclusive community of just 11 homes offers exceptional privacy, a shared heated pool, and a low, owner-operated HOA.Offered fully furnished and turnkey, the property includes established rental history and everything needed to continue operating immediately.Enjoy boating, fishing, diving, and the ultimate Florida Keys lifestyle from this ideally located Cudjoe Key property. For all showings, please contact the property owner, Michael Cordova, to schedule an appointment.

MLS media link

General Features

Property Type: Single Family
Status: Active
Year Built: 2007
Property Condition: Resale / Updated Remodeled
Number of Stories: 3
Levels: Three Or More
Garage Spaces: 0
Parking: Attached Carport / Covered / Carport / Golf Cart Garage / Guest
Direction Faces: West
Lot Size (Acres): 0.02
Living Sq Ft: 1,156
Total Sq Ft: 1,917
Sewer: Public Sewer
Water Source: Public
Zoning: URM

Interior Features

Appliances: Dryer / Dishwasher / Electric Range / Electric Water Heater / Disposal / Microwave / Refrigerator / Washer
Cooling: Central Air
Heating: Central
Flooring: Laminate
Interior Features: Family Dining Room / Upper Level Primary
Laundry: Dryer Hookup
Total Rooms: 2
Furnished: Furnished

Exterior Features

Roof: Metal
Exterior Features: Barbecue / Lighting / Outdoor Living Area
Private Pool: Yes
Pool Features: In Ground / Association
Patio & Porch: Patio
Waterfront: Yes
Waterfront Features: No Fixed Bridges / Ocean Access
Frontage: Waterfront
Frontage Length: 120.00 ft
View: Ocean

Community & HOA

HOA Fee: $382 / Monthly
HOA Includes: Common Areas / Insurance / Maintenance Grounds / Maintenance Structure / Recreation Facilities / Security / Trash
Association Amenities: Boating / Gated / Pool
Community Features: Home Owners Association / Boat Facilities
Security: Fire Alarm
Pets Allowed: Yes
55+ Community: Yes
Financing Terms: Cash / Conventional / FHA / Va Loan
Restrictions: Ok To Lease
MLS Area: 5940 - Other Florida County

Schools

Elementary School: Sugarloaf
Middle School: Sugarloaf
High School: Key West

About the Area

Summerland Key

View Summerland Key Real Estate →

Homes for Sale: 13
Under Contract: 0
Median List Price: $1,049,500
Median $/Sq Ft: $963
Avg Days on Market: 91

View all 13 homes for sale in Summerland Key →

Frequently Asked Questions

How do I schedule a tour of 21650 Overseas Highway, FL 33042?: Use the Tour button on this listing to request a showing of 21650 Overseas Highway, FL 33042. Pick a day and time and choose an in-person or video-chat tour, and a Pure Equity agent will confirm your visit, often the same day.
Is 21650 Overseas Highway, FL 33042 still available?: 21650 Overseas Highway, FL 33042 is currently listed as Active, and has been on the market 1 day. Status updates directly from the MLS as homes go under contract, so ask us to confirm availability before you plan a visit.
How much is the monthly payment for 21650 Overseas Highway, FL 33042?: With 20% down ($199,800) on the $999,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 21650 Overseas Highway, FL 33042 is about $5,250/mo, before property taxes, insurance, and HOA dues. Use the payment estimate on this page to adjust the down payment and rate.
How do I get pre-approved to buy 21650 Overseas Highway, FL 33042?: Getting pre-approved shows sellers you're a serious buyer and clarifies your true budget before you offer on 21650 Overseas Highway, FL 33042. Contact Pure Equity and we'll connect you with a trusted local lender to review your financing options, no obligation.
Does 21650 Overseas Highway, FL 33042 have an HOA fee?: Yes: 21650 Overseas Highway, FL 33042 carries an HOA fee of about $382 monthly. HOA dues usually cover community amenities and shared maintenance; ask us for the current budget, rules, and exactly what's included.
What schools serve 21650 Overseas Highway, FL 33042?: 21650 Overseas Highway, FL 33042 is zoned for Sugarloaf (elementary), Sugarloaf (middle), Key West (high). School assignments and boundaries can change year to year, so confirm current zoning with the local school district before you buy.
Can I negotiate the price of 21650 Overseas Highway, FL 33042?: Often, yes. The right offer on 21650 Overseas Highway, FL 33042 depends on how it's priced against comparable single family sales in Summerland Key, how long it's been listed, and how motivated the seller is. Pure Equity will run the comps and help you craft a competitive, well-supported offer.

Listing courtesy of Florida Realty of Miami Corp

Listing information is provided by BeachesMLS, Inc.and is deemed reliable but not guaranteed accurate by the MLS or Pure Equity. Information is for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties. © 2026 BeachesMLS, Inc. Last updated November 14, 2026.

$999,000