4276 Dorn Road, Torch Key FL 33042, TORCH KEY, FL, 33042
Active86 days on marketListed May 12, 2026MLS #A12018522
About this home
4276 Dorn Road, Torch Key FL 33042
Welcome to your slice of paradise! Down in Big Torch Key, you'll feel a sense of solitude, satisfaction and serenity. Minimal, if any, noise or light pollution on this Key; look up at night and you will see stars you've never seen before! Quick and easy access to the Atlantic and Gulf of America, plenty of fishing spots and places to relax on the water without those big upper Key crowds. The adjacent vacant lot for sale is owned by the same person - a perfect opportunity to purchase two lots and transform into one! With this dock size already at 65', imagine how many more boats you could dock with both lots! Vacant land MLS#A12018646 **Water photos at the end are for reference to show what the water looks like at the end of the canal. This home does not directly have this view**
Facts & features
The home at a glance
3
Bedrooms
1.5
Bathrooms
960
Sqft
1974
Year built
$1,146
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.
$6,915 /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
$6,915/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 Big Torch Key
Get to know Torch Key. See the full Torch Key guide →
Big Torch Key — neighborhood snapshot
Population
95
Median age
43
Median income
$132,652
Median home value
$1,000,000
Avg household
2
Households w/ children
11%
For the school run
Monroe County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Torch Key market
This home is listed 42% above the TORCH KEY 33042 median. See the full Torch Key market guide →
Paper trail
This home's history
Reality check
What actually sold near 4276 Dorn Road
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$1,100,000
3167 STEWART ROAD
3 bd · 3 ba · 1,222 sqft · $900/sqft · 0 DOM
Sold · Feb ’26$5,250,000
Nearby listing
4 bd · 4 ba · 4,315 sqft · $1,217/sqft · 288 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 4276 Dorn Road — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4276 Dorn Road — 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
4276 Dorn Road FAQs
What would the monthly payment be for 4276 Dorn Road, Torch Key FL 33042?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,915/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 4276 Dorn Road, Torch Key FL 33042?+
The most recent tax bill on record (2025) was $4,878. 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 4276 Dorn Road, Torch Key FL 33042?+
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 Torch Key?+
At $1,100,000, this home is listed about 23% above the Torch Key median of $895,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4276 Dorn Road, Torch Key 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
01Positioned at the premium end
$1,100,000 runs 42% above the TORCH KEY 33042 median.
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
86 days on market against a Torch Key median of 25 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of Luxe Properties · Dylan Calhoun. MLS #A12018522.
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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