0 Niles Rd, Key Colony FL 33042, KEY COLONY, FL, 33042
Active246 days on marketListed Dec 5, 2025MLS #A11925960
About this home
0 Niles Rd, Key Colony FL 33042
Discover the perfect opportunity to build your dream home in the Lower Keys on this desirable parcel located on Summerland Key, FL. Set within a peaceful residential neighborhood, this property offers an inviting blend of tranquility and convenience—just minutes from US-1, local marinas, boat ramps, dining, beaches, and world-class fishing. Enjoy the relaxed island lifestyle, tropical breezes, and the charm of Summerland Key while still being within easy reach of Key West. A rare chance to secure land in one of the most sought-after areas of the Florida Keys.
Facts & features
The home at a glance
9.2598 ac
Lot size
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.
$4,489 /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
$4,489/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 Key Colony
Get to know Key Colony. See the full Key Colony guide →
KEY COLONY 33042 — neighborhood snapshot
Population
6,781
Median age
52.5
Median income
$101,625
Median home value
$759,600
Avg household
2.28
Households w/ children
632
For the school run
Monroe County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Key Colony market
$497K → $497K
Key Colony median sold, yr/yr
This home is listed 3% below the KEY COLONY 33042 median. See the full Key Colony market guide →
Paper trail
This home's history
Reality check
What actually sold near 0 Niles Rd
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$724,000
Nearby listing
3 bd · 2 ba · 1,144 sqft · $633/sqft · 80 DOM
Sold · Jan ’26$700,000
Nearby listing
3 bd · 2 ba · 1,188 sqft · $589/sqft · 6 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 0 Niles Rd — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 0 Niles Rd — 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
0 Niles Rd FAQs
What would the monthly payment be for 0 Niles Rd, Key Colony FL 33042?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,489/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 0 Niles Rd, Key Colony FL 33042?+
The most recent tax bill on record (2025) was $9. 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 Key Colony?+
At $750,000, this home is listed about 17% below the Key Colony median of $899,995. The market section on this page shows how the area is trending.
Which schools are assigned to 0 Niles Rd, Key Colony FL 33042?+
Key West 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
01Under the KEY COLONY 33042 market on paper
$750,000 is 3% below the KEY COLONY 33042 median of $775,000.
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
246 days on market against a Key Colony median of 31 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of Sunland Real Estate, LLC. · Javier Santana. MLS #A11925960.
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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