Lot 27 Dorn Road, Torch Key FL 33042, TORCH KEY, FL, 33042
Active89 days on marketListed May 12, 2026MLS #A12018646
About this home
Lot 27 Dorn Road, Torch Key FL 33042
If you love fishing, love the water, and hate the big crowds, this is the place for you! Upon arrival, the first thing you will notice is the peace and quiet. Easy access to the Gulf of America and Atlantic Ocean. This property is adjacent to my other listing which is owned by the same person. This would be an excellent opportunity to own a double lot on Big Torch Key! Adjacent property (blue house) MLS#A12018522; 4276 Dorn Rd. **Water photos at the end are for reference to show what the water looks like at the end of the canal. This property does not directly have this view**
Facts & features
The home at a glance
0.13 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.
$1,291 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,291/mo
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.
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 78% below the TORCH KEY 33042 median. See the full Torch Key market guide →
Paper trail
This home's history
Reality check
What actually sold near Lot 27 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 Lot 27 Dorn Road — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for Lot 27 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
Lot 27 Dorn Road FAQs
What would the monthly payment be for Lot 27 Dorn Road, Torch Key FL 33042?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,291/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 Lot 27 Dorn Road, Torch Key FL 33042?+
The most recent tax bill on record (2025) was $659. 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 Torch Key?+
At $170,000, this home is listed about 81% below the Torch Key median of $895,000. The market section on this page shows how the area is trending.
Which schools are assigned to Lot 27 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
01Under the TORCH KEY 33042 market on paper
$170,000 is 78% below the TORCH KEY 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
89 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 #A12018646.
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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