, DUCK, FL, 33050
Active55 days on marketListed Jun 12, 2026MLS #A12035426
About this home
Seller must sell due to medical expenses. Discover the pinnacle of island luxury in this stunning canal-front estate located in prestigious Duck Key. Completely transformed by a 2022 remodel, this 4-bedroom, 4-bathroom residence offers an effortless blend of modern sophistication and relaxed Keys living. Set on a generous 12,500-square-foot lot, the resort-style outdoor space features a custom tiki hut with an outdoor kitchen, a sparkling saltwater pool, and a 100-foot concrete seawall. Serious boaters will love the brand-new 20,000-pound lift with 50-amp service and a custom storage shed. The interior features over 3,400 square feet of beautifully finished space, including a gourmet kitchen featuring premium appliances, a bright Florida room, and expansive living areas. The thoughtful layout provides two bedrooms on the main level and two additional bedrooms upstairs, each with a private ensuite bath. The upper level also features a large balcony that captures sweeping views of the crystal-clear canal. Built with solid CBS construction, impact windows and doors, and a metal roof, this home combines refined design with peace of mind. Truly an exceptional value, this Duck Key masterpiece is ready for its new owner. Schedule your private showing today to experience the elegance and serenity of this remarkable home.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,402
Sqft
1969
Year built
$793
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.
$17,482 /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
$17,482/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 Duck actives
$793 vs $710
Days on market
55 vs 110 typical
Where $793/sqft sits among the 6 Duck 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 Duck
Get to know Duck. See the full Duck guide →
DUCK 33050 — neighborhood snapshot
Population
10,586
Median age
48.1
Median income
$83,243
Median home value
$705,600
Avg household
2.44
Households w/ children
995
For the school run
Monroe County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Duck market
$615K → $615K
Duck median sold, yr/yr
0 of 6
Duck actives have cut their price
This home is listed 323% above the DUCK 33050 median. See the full Duck market guide →
Paper trail
This home's history
Reality check
What actually sold near
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$2,000,000
212 Schooner Ln, Duck FL 33050
4 bd · 4 ba · 3,172 sqft · $631/sqft · 176 DOM
Sold · Aug ’25$4,528,300
59720 Overseas Hwy #14, Marathon FL 33050
5 bd · 4.5 ba · 3,011 sqft · $1,504/sqft · 0 DOM
Sold · May ’26$1,360,000
227 CORSAIR ROAD
4 bd · 3 ba · 1,960 sqft · $694/sqft · 85 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 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for — 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
FAQs
What would the monthly payment be for ?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $17,482/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 ?+
The most recent tax bill on record (2025) was $21,064. 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 Duck?+
At $2,697,500, this home is listed about 322% above the Duck median of $639,000. The market section on this page shows how the area is trending.
Which schools are assigned to ?+
Marathon School (high), Stanley Switlik Elementary School (elementary) — Monroe County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX All Keys Real Estate · Patricia Robison. MLS #A12035426.
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®.
Never miss a listing
New Duck homes, in your inbox
Like but not quite? A daily digest of every new listing in Duck — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →