65821 Overseas Hwy #93, Long Key FL 33001, LONG KEY, FL, 33001
Active81 days on marketListed May 28, 2026MLS #A12026655
About this home
65821 Overseas Hwy #93, Long Key FL 33001
Build your dream waterfront escape on this prime ready-to-build lot featuring 30 feet of water frontage and a private boat lift already in place. Enjoy direct water access perfect for boating, fishing, kayaking, or simply relaxing by the water. This property offers the ideal opportunity to create your custom home in a peaceful coastal setting while already having valuable waterfront features completed. Whether you are looking for a weekend retreat, investment property, or full-time residence, this lot provides the perfect foundation for waterfront living. Bring your vision to life and enjoy beautiful water views, easy boating access, and endless outdoor enjoyment right from your backyard. Rare opportunity to own a build-ready waterfront lot with existing lift and dockage potential. Don’t miss your chance to secure your piece of paradise.
Facts & features
The home at a glance
0.043 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.
$4,166 /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
$4,166/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 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
This home is listed 51% above 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 #93
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
Sold · Sep ’25$3,500,000
65890 Overseas Hwy, Long Key FL 33001
7 bd · 6 ba · 7,941 sqft · $441/sqft · 127 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 #93 — 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 #93 — 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 #93 FAQs
What would the monthly payment be for 65821 Overseas Hwy #93, Long Key FL 33001?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,166/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 65821 Overseas Hwy #93, Long Key FL 33001?+
The most recent tax bill on record (2025) was $3,064. 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 $650,000, this home is listed about 32% 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 #93, 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 Realty One Group Royal Oaks · Thalia Caro. MLS #A12026655.
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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