, BIG PINE, FL, 33043
Active23 days on marketListed Jul 14, 2026MLS #A12053824
About this home
**Exclusive Waterfront Luxury Home in Big Pine Key** (minimum 6 months, available Sept 1.) Experience the ultimate Florida Keys getaway in this newly built, four-level, all-concrete waterfront home in beautiful Big Pine Key. Designed with luxury and comfort in mind, this spacious and light-filled property features 4 bedrooms and 2.5 bathrooms, with custom, high-end finishes and top-of-the-line furnishings throughout. Take in breathtaking panoramic ocean views and spectacular sunsets from the third-floor living area and the rooftop entertainment deck. The third level features dramatic 30-foot floor-to-ceiling impact sliding glass doors that open to a wraparound balcony, seamlessly blending indoor and outdoor living. The private rooftop oasis is perfect for entertaining, offering a swimming pool, BBQ grill, putting green, and multiple lounge and dining areas with incredible views. Boating enthusiasts will appreciate the 75-foot concrete seawall dock on a crystal-clear deep-water canal with direct ocean access. Conveniently located just: * 25 minutes from Key West * 5 minutes from Bahia Honda State Park * 5 minutes to supermarkets/drugstores * 10 minutes from Little Palm Island Resort The home comfortably sleeps up to 12 guests in beds, with two additional sofa beds available for extra accommodations.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,352
Sqft
4
Garage
2021
Year built
$5
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$240 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$240/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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 Big Pine actives
$5 vs $804
Days on market
23 vs 94 typical
Where $5/sqft sits among the 21 Big Pine 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 Big Pine
Get to know Big Pine. See the full Big Pine guide →
BIG PINE 33043 — neighborhood snapshot
Population
4,632
Median age
53.6
Median income
$92,955
Median home value
$563,700
Avg household
2.31
Households w/ children
418
For the school run
Monroe County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Big Pine market
$703K → $935K
Big Pine median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
0 of 21
Big Pine actives have cut their price
This home is listed 99% below the BIG PINE 33043 median. See the full Big Pine 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 · Apr ’26$1,265,000
29653 Saratoga Ave, Big Pine FL 33043 · same community
2 bd · 2 ba · 1,596 sqft · $793/sqft · 3 DOM
Sold · Nov ’25$1,150,000
Nearby listing · same community
2 bd · 2 ba · 1,064 sqft · $1,081/sqft · 87 DOM
Sold · Jan ’26$925,000
Nearby listing
3 bd · 2 ba · 1,536 sqft · $602/sqft · 5 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 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $240/mo — principal and interest, estimated property taxes 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 does the price compare to other homes in Big Pine?+
At $11,000, this home is listed about 99% below the Big Pine median of $1,055,000. The market section on this page shows how the area is trending.
Which schools are assigned to ?+
Marathon 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 Carden Realty & Investment Inc · Joe Cabrera. MLS #A12053824.
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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