Experience the best of the Lower Keys with this rare opportunity to own a property that blends personal enjoyment with exceptional income potential. Whether you’re searching for a private waterfront getaway, vacation retreat, or proven income-producing investment, this property delivers on all fronts.
Successfully operated as a short-term rental since 2018, this home has consistently generated over $100,000 annually in rental income, offering a turnkey investment opportunity while enjoying the Florida Keys lifestyle.
One of the property’s most valuable features is its fully transferable transient rental license, valued at approximately $400,000. Unlike many Lower Keys properties with strict rental limitations, this license allows hotel-style rentals with no minimum night restrictions — a rare and highly desirable advantage.
Each home includes a private dock slip, perfect for boats, jet skis, kayaks, and other water toys. This exclusive community of just 11 homes offers exceptional privacy, a shared heated pool, and a low, owner-operated HOA.
Offered fully furnished and turnkey, the property includes established rental history and everything needed to continue operating immediately.
Enjoy boating, fishing, diving, and the ultimate Florida Keys lifestyle from this ideally located Cudjoe Key property.
Successfully operated as a short-term rental since 2018, this home has consistently generated over $100,000 annually in rental income, offering a turnkey investment opportunity while enjoying the Florida Keys lifestyle.
One of the property’s most valuable features is its fully transferable transient rental license, valued at approximately $400,000. Unlike many Lower Keys properties with strict rental limitations, this license allows hotel-style rentals with no minimum night restrictions — a rare and highly desirable advantage.
Each home includes a private dock slip, perfect for boats, jet skis, kayaks, and other water toys. This exclusive community of just 11 homes offers exceptional privacy, a shared heated pool, and a low, owner-operated HOA.
Offered fully furnished and turnkey, the property includes established rental history and everything needed to continue operating immediately.
Enjoy boating, fishing, diving, and the ultimate Florida Keys lifestyle from this ideally located Cudjoe Key property.
Property Details
Price:
$999,000
MLS #:
A12116383
Status:
Active
Beds:
2
Baths:
3
Type:
Single Family
Subtype:
Single Family Residence
Subdivision:
SACARMA
Neighborhood:
sacarma
Listed Date:
Nov 2, 2026
Finished Sq Ft:
1,156
Total Sq Ft:
1,917
Year Built:
2007
See this Listing
Schools
Interior
Appliances
Dishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
Bathrooms
3 Full Bathrooms
Cooling
Central Air
Heating
Central
Interior Features
Second Floor Entry, Family Room, Utility Room/Laundry
Laundry Features
Utility Room/Laundry, Dryer Hook-Up
Exterior
Architectural Style
Detached, Three Or More Stories, Manufactured
Community
55+
Community Features
Boating, Pool, Gated Community
Construction Materials
Manufactured/Mobile Home
Covered Spaces
2
Direction Faces
West
Exterior Features
Barbeque, Lighting
Lot Features
Less Than 1/4 Acre Lot
Parking Features
Attached Carport, Covered, Golf Cart Parking, Guest
Patio And Porch Features
Patio
Roof
Metal Roof
Security Features
Fire Alarm
Senior Community YN
1
View
Ocean, Direct Ocean
Waterfront Features
Ocean Access
Window Features
Impact Glass
Financial
HOA Fee
$382
HOA Fee Frequency
Monthly
Tax Year
2025
Taxes
$5,854
Map
Community
- Address21650 Overseas Hwy Lower Keys FL
- SubdivisionSACARMA
- CityLower Keys
- CountyMonroe County
- Zip Code33042
Market Summary
Current real estate data for Single Family in Lower Keys as of Nov 04, 2026
7
Single Family Listed
99
Avg DOM
874
Avg $ / SqFt
$1,489,143
Avg List Price
Property Summary
- Located in the SACARMA subdivision, 21650 Overseas Hwy Lower Keys FL is a Single Family for sale in Lower Keys, FL, 33042. It is listed for $999,000 and features 2 beds, 3 baths, and has approximately 1,156 square feet of living space, and was originally constructed in 2007. The current price per square foot is $864. The average price per square foot for Single Family listings in Lower Keys is $874. The average listing price for Single Family in Lower Keys is $1,489,143. To schedule a showing of MLS#a12116383 at 21650 Overseas Hwy in Lower Keys, FL, contact your CENTURY 21 Carioti agent at 2392986550.
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