28525 Jolly Roger Drive, FL 33042, FL, 33042
Active189 days on marketListed Jan 29, 2026MLS #F10549280
About this home
28525 Jolly Roger Drive, FL 33042
RARE opportunity to own a build ready canal front lot in the heart of Little Torch Key. Tucked away on a quiet dead end road near the end of the island, this prime waterfront parcel offers the best of both worlds! Open water views from the front and a deep canal with seawall along the back. Enjoy unobstructed ocean and sky views from your front porch with no homes across the street ever, creating a truly open and private setting. The rear canal sits at the end of the channel for quick, easy access to open water. Permits are approved, allowing you to build immediately. Ideal for boating, fishing, and relaxed island living with minimal traffic and maximum privacy. Designed for elevated living with incredible second floor views, this is a rare chance to build your custom Keys retreat now.
Facts & features
The home at a glance
0.182 ac
Lot size
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.
$4,867 /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
$4,867/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 28525 Jolly Roger Drive
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$1,000,000
Nearby listing · same community
2 bd · 1 ba · 1,144 sqft · $874/sqft · 162 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 28525 Jolly Roger Drive — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 28525 Jolly Roger 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
28525 Jolly Roger Drive FAQs
What would the monthly payment be for 28525 Jolly Roger Drive, FL 33042?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,867/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 28525 Jolly Roger Drive, FL 33042?+
The most recent tax bill on record (2025) was $1,085. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
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®.