193 Galleon Ln, Lower Keys FL 33042, LOWER KEYS, FL, 33042
Active46 days on marketListed Jun 24, 2026MLS #A12042729
About this home
193 Galleon Ln, Lower Keys FL 33042
Brand new waterfront in the Keys, built for you from the ground up. This is a preconstruction home in Cutthroat Harbor Estates. You buy now and it gets built for you, delivered turnkey. Picture it: your boat at the private dock on approx. 102 ft of canal seawall, a pool and jacuzzi below, coffee on the rooftop deck. Elevated 4 bed, 4 bath, outdoor kitchen, solar and efficient systems, brand new and low maintenance. And the best part? The permit is already secured, so your home gets built now instead of years from now.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
1,671
Sqft
4
Garage
2027
Year built
$1,062
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.
$10,570 /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
$10,570/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 Cudjoe Key
Get to know Lower Keys. See the full Lower Keys guide →
Cudjoe Key — neighborhood snapshot
Population
2,478
Median age
56
Median income
$86,166
Median home value
$755,350
Avg household
2
Households w/ children
209
For the school run
Monroe County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lower Keys market
$1.2M → $1.2M
Lower Keys median sold, yr/yr
This home is listed 129% above the LOWER KEYS 33042 median. See the full Lower Keys market guide →
Paper trail
This home's history
Reality check
What actually sold near 193 Galleon Ln
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$920,000
Nearby listing · same community
3 bd · 2 ba · 1,400 sqft · $657/sqft · 257 DOM
Sold · Aug ’25$1,300,000
22822 John Silver Ln, Lower Keys FL 33042 · same community
3 bd · 2 ba · 2,100 sqft · $619/sqft · 235 DOM
Sold · Oct ’25$990,000
Nearby listing · same community
3 bd · 3 ba · 1,080 sqft · $917/sqft · 139 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 193 Galleon Ln — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 193 Galleon Ln — 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
193 Galleon Ln FAQs
What would the monthly payment be for 193 Galleon Ln, Lower Keys FL 33042?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,570/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 193 Galleon Ln, Lower Keys FL 33042?+
The most recent tax bill on record (2025) was $2,001. 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 Lower Keys?+
At $1,775,000, this home is listed about 95% above the Lower Keys median of $912,500. The market section on this page shows how the area is trending.
Which schools are assigned to 193 Galleon Ln, Lower Keys FL 33042?+
Key West 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 CRANELUXE · Joaquin Merlo-Garzon. MLS #A12042729.
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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