109 Columbus Dr, Islamorada FL 33036, ISLAMORADA, FL, 33036
Active314 days on marketListed Sep 26, 2025MLS #A11885559
About this home
109 Columbus Dr, Islamorada FL 33036
Iconic Islamorada Oceanfront Retreat. Welcome to The Last Resort, a one-of-a-kind oceanfront estate offering rare privacy and breathtaking natural beauty in the heart of Islamorada. Set on over an acre of lush tropical land, this coastal retreat boasts 165 feet of private sandy Atlantic beach, where you can launch a kayak or paddleboard right from your backyard and soak in endless turquoise views. Expansive covered verandahs, a 15' x 30' heated seaside pool, and beachside hammocks invite slow, sun-filled days and relaxed gatherings. Across the street, a separate canalfront parcel with a 37.5' concrete dock provides protected deep-water dockage and space for boats, trailers, and water toys — an extraordinary pairing of true beachfront living and convenient boating access.
Facts & features
The home at a glance
4
Bedrooms
5
Bathrooms
1922
Year built
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 — not generic estimates.
$41,391 /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
$41,391/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.
Where it sits
Inside Islamorada
Get to know Islamorada. See the full Islamorada guide →
ISLAMORADA 33036 — neighborhood snapshot
Population
3,632
Median age
56.1
Median income
$88,214
Median home value
$995,600
Avg household
2.17
Households w/ children
235
For the school run
Monroe County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Islamorada market
$2.9M → $1.5M
Islamorada median sold, yr/yr
89.9%
Sale-to-list ratio (12 mo)
This home is listed 374% above the ISLAMORADA 33036 median. See the full Islamorada market guide →
Paper trail
This home's history
Reality check
What actually sold near 109 Columbus Dr
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$1,350,000
126 Columbus Dr, Islamorada FL 33036
3 bd · 3 ba · 1,066 sqft · $1,266/sqft · 13 DOM
Sold · Jun ’26$1,450,000
126 Columbus Dr, Islamorada FL 33036
3 bd · 3 ba · 1,786 sqft · $812/sqft · 121 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 109 Columbus Dr — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 109 Columbus Dr — 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
109 Columbus Dr FAQs
What would the monthly payment be for 109 Columbus Dr, Islamorada FL 33036?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $41,391/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 109 Columbus Dr, Islamorada FL 33036?+
The most recent tax bill on record (2024) was $30,786. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Islamorada?+
At $6,700,000, this home is listed about 86% above the Islamorada median of $3,595,000. The market section on this page shows how the area is trending.
Which schools are assigned to 109 Columbus Dr, Islamorada FL 33036?+
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
$6,700,000 runs 374% above the ISLAMORADA 33036 median.
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
314 days on market against a Islamorada median of 83 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of American Caribbean Real Estate · Joy Martin. MLS #A11885559.
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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