65821 Overseas Hwy 176, Long Key FL 33001, LONG KEY, FL, 33001
Active47 days on marketListed Jul 2, 2026MLS #A12047116
About this home
65821 Overseas Hwy 176, Long Key FL 33001
Charming 3BR 2BA home in a sought after Florida Keys community! Enjoy resort style amenities, pool, tennis court, private beach, gym, kids' splash pool, and marina with boat ramp to enjoy easy access to open waters. On site gas pump for boats and jet skis and boat slips for rent. The community also features a tiki area perfect for relaxing or fishing. Home offers bright, open living and plenty of parking for cars and your boat. Live the Keys lifestyle today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,160
Sqft
2006
Year built
$732
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.
$5,943 /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
$5,943/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 Long Key actives
$732 vs $682
Days on market
47 vs 95 typical
Where $732/sqft sits among the 248 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
107 of 248
Long Key actives have cut their price
This home is listed 97% 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 176
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 176 — 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 176 — 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 176 FAQs
What would the monthly payment be for 65821 Overseas Hwy 176, Long Key FL 33001?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,943/mo — principal and interest, the actual property-tax bill, the $411/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 176, Long Key FL 33001?+
The association fee works out to $411 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 176, Long Key FL 33001?+
The most recent tax bill on record (2025) was $5,669. 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 $849,000, this home is listed about 11% 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 176, 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 #A12047116.
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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