88351 Old Hwy, Islamorada FL 33070, ISLAMORADA, FL, 33070
Active160 days on marketListed Mar 3, 2026MLS #A11974804
About this home
88351 Old Hwy, Islamorada FL 33070
Newly completed in 2025, this exceptional oceanfront estate is located in the heart of The Florida Keys on the premier ocean side of Islamorada. A gated entry welcomes you through lush tropical landscaping and a diverse fruit-tree grove, setting a private and refined arrival. Set on over 2 usable acres with 210 feet of private sandy beachfront and a protected cove, the residence spans 7,590 square feet of interior living space & 1,736 square feet of exterior living, with an expansive 230-foot dock. Designed for seamless indoor-outdoor living, the home features a dramatic great room with 23-foot ceilings, panoramic Atlantic exposure, and expansive covered terraces with summer kitchen and outdoor dining areas. A 65-foot heated lagoon-style pool with swim-up bar and fire-pit lounge creates a resort-caliber setting. The chef’s kitchen is appointed with Sub-Zero, Wolf, and Thermador appliances. Additional highlights include dual primary suites, private orchid garden, lounge & recreation room, elevator, Sonos surround sound, impact windows and doors, metal roof, double-height garage, water-sports storage room and a full home generator. The essence of beachfront living in Islamorada, combining impressive scale and ultimate privacy. ***A contiguous 0.7-acre lot with development rights for an ancillary building with upstairs storage is available separately.
Facts & features
The home at a glance
6
Bedrooms
9
Bathrooms
7,590
Sqft
2
Garage
2025
Year built
$2,107
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.
$98,260 /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
$98,260/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 Islamorada actives
$2,107 vs $1,291
Days on market
160 vs 83 typical
Where $2,107/sqft sits among the 20 Islamorada 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 Islamorada. See the full Islamorada 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 Islamorada market
$2.9M → $1.5M
Islamorada median sold, yr/yr
89.9%
Sale-to-list ratio (12 mo)
1 of 20
Islamorada actives have cut their price
This home is listed 1687% above the ISLAMORADA 33070 median. See the full Islamorada market guide →
Paper trail
This home's history
Reality check
What actually sold near 88351 Old 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$350,000
156 S NE 11th Street, Boca Raton FL 33432 · same community
3 bd · 1 ba · 968 sqft · $362/sqft · 233 DOM
Sold · Jun ’26$3,200,000
139 Tequesta St, Islamorada FL 33070
5 bd · 4 ba · 3,559 sqft · $899/sqft · 7 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 88351 Old Hwy — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 88351 Old 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
88351 Old Hwy FAQs
What would the monthly payment be for 88351 Old Hwy, Islamorada FL 33070?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $98,260/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 88351 Old Hwy, Islamorada FL 33070?+
The most recent tax bill on record (2025) was $69,866. 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 88351 Old Hwy, Islamorada 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 Islamorada?+
At $15,990,000, this home is listed about 345% 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 88351 Old Hwy, Islamorada FL 33070?+
Coral Shores High School (high) — Monroe County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of BHHS EWM Realty · Jason Zarco. MLS #A11974804.
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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