1129 Pebble Beach Lane # 12, FL 33050, FL, 33050
Active129 days on marketListed Mar 30, 2026MLS #B26008804
About this home
1129 Pebble Beach Lane # 12, FL 33050
You don't often hear 'affordable' and 'Duck Key' in the same sentence, but this top-floor end unit proves you can live on one of the Keys' most desirable islands without breaking the bank. The end-unit location means extra windows that flood the space with natural light, and your private patio is the perfect spot to unwind at the end of the day. Inside you'll find tile floors throughout, a full kitchen and two full bathrooms all in great shape. Both bedrooms are generously sized and can each accommodate king beds with room to spare. Here's where it gets really good. Everything you could want with island living is just steps from your door. Become a member at Club Duck Key which provides pool, pickleball, tennis, etc. Duck Key & Hawks Cay Marina provides boating access. All walking distance
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
860
Sqft
0 ac
Lot size
1985
Year built
1
Levels
$378
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.
$3,677 /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
$3,677/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
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 1129 Pebble Beach Lane # 12 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1129 Pebble Beach Lane # 12 — 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
1129 Pebble Beach Lane # 12 FAQs
What would the monthly payment be for 1129 Pebble Beach Lane # 12, FL 33050?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,677/mo — principal and interest, the actual property-tax bill, the $1,200/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 1129 Pebble Beach Lane # 12, FL 33050?+
The association fee works out to $1,200 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1129 Pebble Beach Lane # 12, FL 33050?+
The most recent tax bill on record (2025) was $3,119. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1129 Pebble Beach Lane # 12, FL 33050?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
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®.