441 La Fitte Rd # 0, Torch Key FL 33042, TORCH KEY, FL, 33042
Active862 days on marketListed Mar 27, 2024MLS #A11557598
About this home
441 La Fitte Rd # 0, Torch Key FL 33042
** SHORT-TERM RENTAL ** Stunning open water house with high ceilings, open floor plan, covered screen porch, and open deck for the sun lovers! New deck with a heavy-duty boat lift in place (15,000 pounds) in one of the cleanest waters in the FL Keys! Metal roof, New A/C, Water Heater, and a Front aluminum fence with beautiful landscaping This home is located in one of the best neighborhoods in the lower FL Keys.Two bedrooms, each with ensuite full baths. This fully furnished, updated kitchen with SS appliances, pantry, dishwasher, microwave, full-size washer & dryer. Open living area with large TV. Great waterfront restaurants nearby. The home is available for 6 months or less with a 30-day minimum rental.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,443
Sqft
4
Garage
1987
Year built
$8
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$247 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$247/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Little Torch Key
Get to know Torch Key. See the full Torch Key guide →
Little Torch Key — neighborhood snapshot
Population
970
Median age
52
Median income
$94,583
Median home value
$639,700
Avg household
2
Households w/ children
76%
For the school run
Monroe County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Torch Key market
This home is listed 98% below the TORCH KEY 33042 median. See the full Torch Key market guide →
Paper trail
This home's history
Reality check
What actually sold near 441 La Fitte Rd # 0
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$1,000,000
Nearby listing · same community
2 bd · 1 ba · 1,144 sqft · $874/sqft · 162 DOM
Sold · Apr ’26$1,265,000
29653 Saratoga Ave, Big Pine FL 33043
2 bd · 2 ba · 1,596 sqft · $793/sqft · 3 DOM
Sold · Sep ’25$675,000
Nearby listing
3 bd · 1 ba · 1,162 sqft · $581/sqft · 147 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 441 La Fitte Rd # 0 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 441 La Fitte Rd # 0 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
441 La Fitte Rd # 0 FAQs
What would the monthly payment be for 441 La Fitte Rd # 0, Torch Key FL 33042?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $247/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 441 La Fitte Rd # 0, Torch Key FL 33042?+
The listing reports pets: No, 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 Torch Key?+
At $12,000, this home is listed about 99% below the Torch Key median of $895,000. The market section on this page shows how the area is trending.
Which schools are assigned to 441 La Fitte Rd # 0, Torch Key FL 33042?+
Key West High School (high) — Monroe County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the TORCH KEY 33042 market on paper
$12,000 is 98% below the TORCH KEY 33042 median of $775,000, and at $8/sqft it sits under the Torch Key average of $822.
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
862 days on market against a Torch Key median of 25 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $13,500, now $12,000 — a $2K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Caralex Intl Realty Group Corp · Carolina Gil. MLS #A11557598.
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 Miami Association of REALTORS®.
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