88110 Overseas Hwy, Islamorada FL 33036, ISLAMORADA, FL, 33036
Active97 days on marketListed May 6, 2026MLS #A12032087
About this home
88110 Overseas Hwy, Islamorada FL 33036
Private Bayfront Estate in desirable Islamorada offering a serene ambiance on an oversized parcel of pristine bayfront with breathtaking sunsets and unobstructed panoramic views of the Florida Bay. This exceptional waterfront retreat features an irreplaceable protected boat basin, concrete jetty, and T-dock providing superior deep-water dockage. Encompassing 4,000 square feet of beautifully designed living space, this remarkable residence includes 4 spacious bedrooms and 4.5 bathrooms. This home showcases an inviting kitchen and multiple expansive living areas all thoughtfully designed for ultimate comfort and entertaining, ideal for hosting family and guests or enjoying a private coastal escape. Step outside to your own tropical sanctuary with unforgettable sunsets, year-round outdoor living, and the sparkling waters of Florida Bay creating the ultimate Florida Keys lifestyle. A rare opportunity to own in one of Islamorada's most exclusive waterfront settings.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
2,797
Sqft
1957
Year built
$2,502
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.
$42,644 /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
$42,644/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.
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 Islamorada actives
$2,502 vs $1,291
Days on market
97 vs 83 typical
Where $2,502/sqft sits among the 20 Islamorada 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 Plantation Key
Get to know Islamorada. See the full Islamorada guide →
Plantation Key — neighborhood snapshot
Population
4,945
Median age
54
Median income
$66,425
Median home value
$857,007
Avg household
2
Households w/ children
367
For the school run
Monroe County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Islamorada market
$2.9M → $1.5M
Islamorada median sold, yr/yr
89.9%
Sale-to-list ratio (12 mo)
1 of 20
Islamorada actives have cut their price
This home is listed 396% above the ISLAMORADA 33036 median. See the full Islamorada market guide →
Paper trail
This home's history
Reality check
What actually sold near 88110 Overseas Hwy
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$2,600,000
114 Royal Ln, Islamorada FL 33036 · same community
4 bd · 5 ba · 3,467 sqft · $750/sqft · 66 DOM
Sold · Apr ’26$799,000
140 Aregood Ln # C2, Plantation Key FL 33036 · same community
2 bd · 2.5 ba · 310 DOM
Sold · Sep ’25$3,200,000
168 Indian Mound Trl, Tavernier FL 33070
4 bd · 3 ba · 3,204 sqft · $999/sqft · 70 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 88110 Overseas Hwy — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 88110 Overseas Hwy — 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
88110 Overseas Hwy FAQs
What would the monthly payment be for 88110 Overseas Hwy, Islamorada FL 33036?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $42,644/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 88110 Overseas Hwy, Islamorada FL 33036?+
The most recent tax bill on record (2025) was $25,119. 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 Islamorada?+
At $6,999,000, this home is listed about 95% above the Islamorada median of $3,595,000. The market section on this page shows how the area is trending.
Which schools are assigned to 88110 Overseas Hwy, Islamorada FL 33036?+
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 Langley Knight Gardner Islamorada · Lisa Frins. MLS #A12032087.
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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