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Under contract-accepting backup offers. Welcome to the Florida waterfront lifestyle in the heart of Duck Key, where boating, sunshine, and ease come together. This four-bedroom, two-bath single-family home welcomes you with a bright foyer entry that opens into the main living space, where your eyes are immediately drawn to the backyard water views and dock beyond. To the right, the kitchen overlooks the living area, creating an ideal setup for entertaining, while the dining space features beautiful water views, ample windows, and an additional sliding door leading out to the screened-in lanai. The home features stainless steel appliances and granite countertops throughout. To the left of the entry, a door separates three bedrooms and a full bath, offering privacy for guests and family, with flexible room options for an office, gym, or entertainment space. Beyond the living room, the spacious primary suite is tucked to the left and includes tray ceilings, its own private bath with his-and-her sinks, and two walk-in closets.
Step outside to enjoy direct water access with a private dock, boat lift, and expansive outdoor spaces designed for life on the water. Boaters will appreciate the 31’ dock, 10’ x 30’ deck, and 4, 500 lb. boat lift with new metal bunks, complete with water and electricity. A new Trex deck and cable railing (2025) add durability, safety, and low-maintenance peace of mind. Whether you’re launching for a day on the water, cleaning your catch, or relaxing dockside at sunset, this setup is built for the Florida boating lifestyle.
The home has seen extensive recent improvements, including a new roof (2022), new A/C (2021), paver driveway (2025), new soffits (2025), new gutters (2017), and a hurricane-rated garage door (2021). Additional upgrades include seven DC ceiling fans with remotes (2025), new carpeting, an outdoor shade with remote, lanai screen (2022), a new fiberglass side-entry garage door, and LED lighting throughout the home.
Inside and out, the layout offers flexibility for full-time living or a second home, while the waterfront setting creates a relaxed, resort-like atmosphere. Conveniently located near Cocoplum Plaza, shopping, dining, and local activities, this home offers the perfect balance of privacy, accessibility, and waterfront convenience. A rare opportunity to own a well-maintained waterfront home in the desirable HOA community of Duck Key.
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Our Executive Mortgage Banker:
Our Insurance Division:
$469,900
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 |
|
|---|---|---|---|
| Loan Amount | $375,920 | $375,920 | $375,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.125% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.357% | 6.304% | 5.648% |
| Monthly Tax Payment | $460 | $460 | $460 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,224 | $2,284 | $3,047 |
| Total Monthly Payment | $2,759 | $2,819 | $3,582 |
* 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. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.