116 Spanish Main Drive, FL 33042, FL, 33042
Active83 days on marketListed May 15, 2026MLS #B26029208
About this home
116 Spanish Main Drive, FL 33042
Discover your personal island sanctuary in the heart of Cudjoe Key, where every day feels like Margaritaville. This stunning 2-bedroom, 2-bathroom single-family home has been thoughtfully updated to offer the ultimate waterfront lifestyle, featuring a sleek kitchen with a central island, 2025 updated appliances and two beautifully remodeled bathrooms. The interior glows with natural light, highlighted by impact-resistant windows and elegant French doors that lead to an open balcony. The floor plan is designed for effortless living, including a versatile bonus room and a separate dining area that provides a front-row seat to the tranquil canal. For added convenience, the spacious walk-in closet features an integrated 2025 washer and dryer, while a temperature-controlled thermostat and security system ensure year-round comfort and peace of mind. The exterior of the home is just as impressive, boasting brand-new Hardie Board siding updated within the last year and a full privacy fence that creates a secluded tropical retreat. Step outside to find a backyard oasis complete with swaying palm trees and an inground concrete pool featuring decorative tiling and a stylish paver deck. Boaters will fall in love with the concrete dock slip, which comes equipped with a 10,000 lbs elevator boat lift, offering ocean access in just minutes. Beneath the home, you'll find ample garage parking and massive storage space for your kayaks, grill, and water toys, along with a refreshing outdoor shower. Perfectly capturing that sought-after "Keys feel," this home is the ideal blend of relaxation and adventure.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,100
Sqft
0.17 ac
Lot size
1
Garage
1990
Year built
1
Levels
$1,154
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.
$8,054 /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
$8,054/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.
Reality check
What actually sold near 116 Spanish Main Drive
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$990,000
Nearby listing · same community
3 bd · 3 ba · 1,080 sqft · $917/sqft · 139 DOM
Sold · Jun ’26$560,000
22963 Anne Bonny Ln, Sugarloaf FL 33042 · same community
3 bd · 2 ba · 834 sqft · $671/sqft · 3 DOM
Sold · Jun ’26$920,000
Nearby listing · same community
3 bd · 2 ba · 1,400 sqft · $657/sqft · 257 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 116 Spanish Main Drive — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 116 Spanish Main Drive — 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
116 Spanish Main Drive FAQs
What would the monthly payment be for 116 Spanish Main Drive, FL 33042?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,054/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 116 Spanish Main Drive, FL 33042?+
The most recent tax bill on record (2025) was $6,849. 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 116 Spanish Main Drive, FL 33042?+
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®.