65821 Overseas Hwy, Long Key FL 33001, LONG KEY, FL, 33001
Active396 days on marketListed Jul 17, 2025MLS #A11842463
About this home
65821 Overseas Hwy, Long Key FL 33001
Now available in Outdoor Resorts on Long Key: 2-bedroom, 2-bath concrete home perfect for full-time living or a vacation home. Enjoy access to a private marina, pool, beach, pickleball, basketball courts, and more—all within a vibrant Keys community. Gated community with a low HOA, on-site convenience store, and nearby fishing charters, everything you need is at your fingertips. Don’t miss your chance to own a slice of paradise—bring your best offer today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
943
Sqft
2007
Year built
$1,028
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.
$6,517 /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
$6,517/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 Long Key actives
$1,028 vs $682
Days on market
396 vs 95 typical
Where $1,028/sqft sits among the 248 Long Key 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 Long Key
Get to know Long Key. See the full Long Key guide →
LONG KEY 33001 — neighborhood snapshot
Population
254
Median age
58.8
Median income
$60,750
Median home value
$602,900
Avg household
1.94
Households w/ children
5%
For the school run
Monroe County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Long Key market
107 of 248
Long Key actives have cut their price
This home is listed 125% above the LONG KEY 33001 median. See the full Long Key market guide →
Paper trail
This home's history
Reality check
What actually sold near 65821 Overseas Hwy
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$1,350,000
65821 Overseas Hwy Lot 267, Long Key FL 33001 · same community
2 bd · 2 ba · 888 sqft · $1,520/sqft · 113 DOM
Sold · Feb ’26$280,000
65821 Overseas Highway, Lot 375, Long Key FL 33001
2 bd · 1 ba · 574 sqft · $488/sqft · 190 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 65821 Overseas Hwy — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 65821 Overseas Hwy — 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
65821 Overseas Hwy FAQs
What would the monthly payment be for 65821 Overseas Hwy, Long Key FL 33001?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,517/mo — principal and interest, the actual property-tax bill, the $411/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 65821 Overseas Hwy, Long Key FL 33001?+
The association fee works out to $411 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 65821 Overseas Hwy, Long Key FL 33001?+
The most recent tax bill on record (2024) was $4,246. 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 65821 Overseas Hwy, Long Key FL 33001?+
The listing reports pets: Restrictions Or Possible Restrictions. 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 Long Key?+
At $969,000, this home is listed about 2% above the Long Key median of $950,000. The market section on this page shows how the area is trending.
Which schools are assigned to 65821 Overseas Hwy, Long Key FL 33001?+
Coral Shores High School (high) — 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
$969,000 runs 125% above the LONG KEY 33001 median.
02Canal views
The canal view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
396 days on market against a Long Key median of 95 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of Lifestyle International Realty · Yaritza Lopez. MLS #A11842463.
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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