232 W Seaview Dr, Duck FL 33050, DUCK, FL, 33050
Active262 days on marketListed Nov 17, 2025MLS #A11915619
About this home
232 W Seaview Dr, Duck FL 33050
Experience the laid-back luxury of Duck Key in this beautifully appointed waterfront residence. Designed for both comfort and entertaining, the home features a chef’s kitchen with premium appliances, generous counter space, and custom cabinetry that will delight any culinary enthusiast. Rich Brazilian wood floors add warmth and elegance throughout the living spaces, while the spacious primary suite offers a spa-inspired bathroom highlighted by a massive walk-in shower. Large glass doors invite natural light and frame stunning water views from nearly every angle. Step outside to the covered terrace balcony overlooking the sparkling waters of Duck Key, where gentle sea breezes and breathtaking sunsets create the perfect setting for morning coffee, alfresco dining, or evening cocktails. Whether you’re seeking a full-time residence, vacation retreat, or investment property, this home captures the very essence of Florida Keys waterfront living.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,596
Sqft
1985
Year built
$1,880
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 — not generic estimates.
$19,054 /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
$19,054/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 Duck actives
$1,880 vs $710
Days on market
262 vs 110 typical
Where $1,880/sqft sits among the 6 Duck 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 Duck
Get to know Duck. See the full Duck guide →
DUCK 33050 — neighborhood snapshot
Population
10,586
Median age
48.1
Median income
$83,243
Median home value
$705,600
Avg household
2.44
Households w/ children
995
For the school run
Monroe County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Duck market
$615K → $615K
Duck median sold, yr/yr
0 of 6
Duck actives have cut their price
This home is listed 371% above the DUCK 33050 median. See the full Duck market guide →
Paper trail
This home's history
Reality check
What actually sold near 232 W Seaview Dr
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$1,360,000
227 CORSAIR ROAD · same community
4 bd · 3 ba · 1,960 sqft · $694/sqft · 85 DOM
Sold · Nov ’25$2,000,000
212 Schooner Ln, Duck FL 33050 · same community
4 bd · 4 ba · 3,172 sqft · $631/sqft · 176 DOM
Sold · Jun ’26$615,000
5075 Sunset Village Dr, Duck FL 33050
2 bd · 2.5 ba · 900 sqft · $683/sqft · 62 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 232 W Seaview Dr — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 232 W Seaview 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
232 W Seaview Dr FAQs
What would the monthly payment be for 232 W Seaview Dr, Duck FL 33050?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $19,054/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 232 W Seaview Dr, Duck FL 33050?+
The most recent tax bill on record (2024) was $18,968. 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 Duck?+
At $3,000,000, this home is listed about 369% above the Duck median of $639,000. The market section on this page shows how the area is trending.
Which schools are assigned to 232 W Seaview Dr, Duck FL 33050?+
Marathon School (high), Stanley Switlik Elementary School (elementary) — 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
$3,000,000 runs 371% above the DUCK 33050 median — but at 1,596 sqft it's also nearly twice the size of the typical Duck listing.
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
262 days on market against a Duck median of 110 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of Keller Williams Realty Premier Properties · Jen Reyes. MLS #A11915619.
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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