David Ramirez
$498,0001 bd1 ba506 sqft$984 /sqft$3,584 /mo all-in ↓

140 Tavern Dr, Tavernier FL 33070, TAVERNIER, FL, 33070

Active114 days on marketListed Apr 17, 2026MLS #A12002918

Priced 44% below the TAVERNIER 33070 medianSingle Family ResidenceTAVERNIER NO 2

About this home

140 Tavern Dr, Tavernier FL 33070

Step back in time and experience the charm of Old Florida in this 1934 historic cottage, one of the most historic homes in the Old Tavernier Showcasing superior wood craftsmanship, this adorable 1-bedroom, 1-bath residence offers timeless appeal. The home sits on a spacious, fenced lot, creating a private backyard oasis surrounded by mature trees, perfect for relaxing or entertaining outdoors. Inside, warm wood finishes and classic design details speak to the home's storied past. Located in the heart of Tavernier, this property offers easy access to neighborhood beaches and a local boat ramp, as well as restaurants, coffee shops, grocery stores, the hospital, and a movie theater, all just moments away. The quiet streets of Old Tavernier invite leisurely strolls or bike rides through this beloved, character-rich community. A rare opportunity to own a piece of Keys history and enjoy the authentic island lifestyle that never goes out of style.

Facts & features

The home at a glance

1

Bedrooms

1

Bathrooms

506

Sqft

1934

Year built

$984

Per sqft

Garden & Other viewPets allowed

Inside

FlooringTile · Wood
AppliancesDryer · Electric Water Heater · Electric Range · Refrigerator · Washer
InteriorFirst Floor Entry · Cottage · Florida Room · Utility Room/Laundry · Workshop
LaundryUtility Room/Laundry
CoolingCeiling Fan(s) · Wall/Window Unit(s)
HeatingWindow/Wall

Outside & construction

RoofMetal Roof
ConstructionSiding-Asbestos
ViewGarden · Other
FacesEast
ParkingDriveway
ExteriorLighting · Fruit Trees · Room For Pool

Community & fees

Taxes (2025)$3,260/yr
PetsYes
CommunityAdditional Amenities · Boating · Other Subdivision - See Remarks · Paved Road · Public Road · Street Lights

Utilities & systems

WaterMunicipal Water

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,584 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,932
FHA mortgage insurance (est.)$220
Property tax — 2025 actual bill$272
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,430Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $17,430
Interest rate6.00%
Loan term

Estimated payment

$3,584/mo

Principal & interest$2,932
FHA mortgage insurance (est.)$220
Property taxes (actual bill)$272
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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 Tavernier actives

$984 vs $867

Days on market

114 vs 64 typical

Where $984/sqft sits among the 24 Tavernier actives

13
2 · this home
3
2
2
2
$447–921$921–1396$1396–1870$1870–2344$2344–2818$2818+

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 Tavernier

Map of 140 Tavern Dr, Tavernier FL 33070

Get to know Tavernier. See the full Tavernier guide →

TAVERNIER 33070 — neighborhood snapshot

Population

5,614

Median age

53

Median income

$77,228

Median home value

$695,000

Avg household

2.25

Households w/ children

467

For the school run

Monroe County School District

HighCoral Shores High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Tavernier market

Seller’s marketLeans buyer29.0 months of inventoryBuyer’s market

$620K$540K

Tavernier median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

2 of 24

Tavernier actives have cut their price

Median sold price, Tavernier, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 44% below the TAVERNIER 33070 median. See the full Tavernier market guide →

Paper trail

This home's history

Apr 17, 2026Listed at $498,000 · 114 days on market since
1934Built · TAVERNIER NO 2

Reality check

What actually sold near 140 Tavern Dr

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

92550 Overseas Hwy # 108, Tavernier FL 33070Sold · Sep ’25

$280,000

92550 Overseas Hwy # 108, Tavernier FL 33070

1 bd · 1 ba · 598 sqft · $468/sqft · 174 DOM

103 Tree Ln, Tavernier FL 33070Sold · May ’26

$275,000

103 Tree Ln, Tavernier FL 33070

2 bd · 2.5 ba · 795 sqft · $346/sqft · 213 DOM

500 Burton Dr # 4411, Tavernier FL 33070Sold · Nov ’25

$740,000

500 Burton Dr # 4411, Tavernier FL 33070

2 bd · 2 ba · 841 sqft · $880/sqft · 65 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 140 Tavern Dr — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 140 Tavern 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.

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Straight answers

140 Tavern Dr FAQs

What would the monthly payment be for 140 Tavern Dr, Tavernier FL 33070?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,584/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 140 Tavern Dr, Tavernier FL 33070?+

The most recent tax bill on record (2025) was $3,260. 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 140 Tavern Dr, Tavernier 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 Tavernier?+

At $498,000, this home is listed about 46% below the Tavernier median of $925,000. The market section on this page shows how the area is trending.

Which schools are assigned to 140 Tavern Dr, Tavernier FL 33070?+

Coral Shores High School (high) — Monroe County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of Ocean Sothebys Intl Realty · Annie Hagen. MLS #A12002918.

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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