124 Orchid St, Plantation Key FL 33070, PLANTATION KEY, FL, 33070
Active193 days on marketListed Feb 6, 2026MLS #A11959736
About this home
124 Orchid St, Plantation Key FL 33070
Brand-new contemporary waterfront home in premier Plantation Key with 60 ft of protected deep-water dockage and seawall, offering direct canal access to Tavernier Creek, the Atlantic Ocean, and Florida Bay. Ground level features an open-air two-car garage and spacious covered area. First living level offers a large recreation room opening to the poolside patio with full cabana bath, perfect for entertaining and relaxed island living. Second level boasts a bright open-concept living and dining area and a gourmet chef’s kitchen with Italian cabinetry, premium finishes, and adjacent laundry room with sink and built-ins, all flowing to a covered waterfront terrace for seamless indoor-outdoor living. Third level showcases a luxurious primary suite with walk-in closet, spa-style bath with two-person shower, and private balcony overlooking the water, plus three guest bedrooms and a well-appointed guest bath. Outdoor amenities include a pool, covered terrace, and professional outdoor kitchen for year-round enjoyment. Ideally located in the Upper Florida Keys, close proximity to restaurants, a short boat ride to Tavernier Creek Marina for fuel, ice, and snacks, and minutes to boutiques, breweries, and 5-star dining in Islamorada—a rare blend of modern luxury and the ultimate Florida Keys waterfront lifestyle.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
2,938
Sqft
2
Garage
2024
Year built
$970
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.
$18,084 /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
$18,084/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 Plantation Key actives
$970 vs $756
Days on market
193 vs 135 typical
Where $970/sqft sits among the 10 Plantation 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 Plantation Key
Get to know Plantation Key. See the full Plantation Key guide →
Plantation Key — neighborhood snapshot
Population
4,945
Median age
54
Median income
$66,425
Median home value
$857,007
Avg household
2
Households w/ children
367
For the school run
Monroe County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Plantation Key market
$2.0M → $2.0M
Plantation Key median sold, yr/yr
1 of 10
Plantation Key actives have cut their price
This home is listed 218% above the PLANTATION KEY 33070 median. See the full Plantation Key market guide →
Paper trail
This home's history
Reality check
What actually sold near 124 Orchid St
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$777,000
150 Sunshine Boulevard, Tavernier FL 33070 · same community
3 bd · 2 ba · 1,176 sqft · $661/sqft · 33 DOM
Sold · Sep ’25$3,200,000
168 Indian Mound Trl, Tavernier FL 33070
4 bd · 3 ba · 3,204 sqft · $999/sqft · 70 DOM
Sold · Sep ’25$3,200,000
168 INDIAN MOUND TRAIL
4 bd · 3 ba · 3,204 sqft · $999/sqft · 0 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 124 Orchid St — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 124 Orchid St — 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
124 Orchid St FAQs
What would the monthly payment be for 124 Orchid St, Plantation Key FL 33070?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $18,084/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 124 Orchid St, Plantation Key FL 33070?+
The most recent tax bill on record (2025) was $17,794. 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 124 Orchid St, Plantation Key FL 33070?+
The listing reports pets: 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 Plantation Key?+
At $2,849,000, this home is listed about 208% above the Plantation Key median of $925,000. The market section on this page shows how the area is trending.
Which schools are assigned to 124 Orchid St, Plantation Key FL 33070?+
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
$2,849,000 runs 218% above the PLANTATION KEY 33070 median — but at 2,938 sqft it's also nearly twice the size of the typical Plantation Key listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $2,950,000, now $2,849,000 — a $101K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of The Lab Realty Group, LLC · Alexander Rojas. MLS #A11959736.
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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