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Looking for the perfect waterfront property with unmatched flexibility and value? 36 Emily Lane stands out as San Carlos Island’s crown jewel—and here’s why: It offers direct Gulf access via a deep water canal and is located near the end of the street, allowing you to build your own private boat dock. Not only do you live on a channel, the lower elevation of the homes on either side and across the street creates a rare opportunity to build up and enjoy west-facing views of both the channel and Hurricane Bay. Build with confidence—strategic seawall and foundation upgrades completed in May 2026 feature tieback reinforcement, resin soil stabilization, and improved drainage systems. This proactive investment enhances stability, mitigates erosion risk, and adds lasting value for your future development. With no height restrictions and minimal setback requirements, you have the freedom to design and build the custom coastal home you’ve always dreamed of, with more buildable space, not just for manufactured homes. You own the land outright—no land lease—and it’s the only street in the subdivision with central water and sewer, a rare and valuable upgrade. There are no pet restrictions, both short and long term rentals are allowed, it’s not a 55+ community, and HOA fees are just $55/month! A new patio was installed in 2022 that still looks great! Emily Lane offers better walkability to restaurants, Salty Sam's Marina (with more marinas under construction), and the Key West Express, all right at the start of the street. You can walk over the bridge to the beach without dealing with traffic, and enjoy a more affordable, less congested version of the same coastal lifestyle.
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
Our Insurance Division:
$275,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $220,000 | $220,000 | $220,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.490% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.628% | 5.866% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,318 | $1,389 | $1,812 |
| Total Monthly Payment | $1,393 | $1,464 | $1,887 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.