65821 Overseas Hwy Unit 314, Long Key FL 33001, LONG KEY, FL, 33001
Active87 days on marketListed May 22, 2026MLS #A12024160
About this home
65821 Overseas Hwy Unit 314, Long Key FL 33001
Welcome to paradise in the heart of the Florida Keys. This Beautifully remodeled 1 bedroom 1 bathroom home located in Outdoor Resorts at Long Key offers the perfect blend of comfort, style, and coastal living. Featuring a brand new kitchen, and bathroom, custom cabinetry throughout, and the convenience of an in unit washer & Dryer, every detail has been thoughtfully updated for modern island living. Enjoy resort style amenities including a private beach, pool, marina, boat ramp, gym, tennis courts, basketball court, convenience store, and a private gated community with 24 hour security. Whether you're an avid fisherman, boating enthusiast, or simply looking to embrace the saltwater lifestyle, this is truly a paradise and the perfect getaway for family and friends.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
624
Sqft
1989
Year built
$657
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 and the real association fee — not generic estimates.
$3,421 /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
$3,421/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.
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 Long Key actives
$657 vs $693
Days on market
87 vs 96 typical
Where $657/sqft sits among the 249 Long 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 Long Key
Get to know Long Key. See the full Long Key guide →
LONG KEY 33001 — neighborhood snapshot
Population
254
Median age
58.8
Median income
$60,750
Median home value
$602,900
Avg household
1.94
Households w/ children
5%
For the school run
Monroe County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Long Key market
108 of 249
Long Key actives have cut their price
This home is listed 5% below the LONG KEY 33001 median. See the full Long Key market guide →
Paper trail
This home's history
Reality check
What actually sold near 65821 Overseas Hwy Unit 314
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$1,350,000
65821 Overseas Hwy Lot 267, Long Key FL 33001 · same community
2 bd · 2 ba · 888 sqft · $1,520/sqft · 113 DOM
Sold · Feb ’26$280,000
65821 Overseas Highway, Lot 375, Long Key FL 33001
2 bd · 1 ba · 574 sqft · $488/sqft · 190 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 65821 Overseas Hwy Unit 314 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 65821 Overseas Hwy Unit 314 — 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
65821 Overseas Hwy Unit 314 FAQs
What would the monthly payment be for 65821 Overseas Hwy Unit 314, Long Key FL 33001?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,421/mo — principal and interest, the actual property-tax bill, the $441/mo association fee 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.
How much are the HOA fees at 65821 Overseas Hwy Unit 314, Long Key FL 33001?+
The association fee works out to $441 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 65821 Overseas Hwy Unit 314, Long Key FL 33001?+
The most recent tax bill on record (2025) was $2,705. 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 Long Key?+
At $410,000, this home is listed about 57% below the Long Key median of $950,000. The market section on this page shows how the area is trending.
Which schools are assigned to 65821 Overseas Hwy Unit 314, Long Key FL 33001?+
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 Floridism Real Estate, LLC. · Yohana Fernandez. MLS #A12024160.
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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