21650 Overseas HighwayLower Keys, FL 33042Price: $999,000

  • Price: $999,000
  • Est. Mortgage of $/month
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%
$/month over payments
Federal 30-year interest rate: 7.24% last updated on Oct 29, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
  • $999,000List Price
  • 2Bedrooms
  • 3Full Bath
  • 1,156Square Feet
  • 967Lot Size Square Feet
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.

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$
$
%
Est. Mortgage:
$/month over payments
Federal 30-year interest rate: 7.24% last updated on Oct 29, 2026. * The above figures are estimates provided by Union Street Media using the FRED® API, and are not endorsed or certified by the Federal Reserve Bank of St. Louis. Check with your lender for actual interest rates.
Listed by Marilin Palenzuela of Florida Realty of Miami Corp

The multiple listing information is provided by Miami Association of REALTORS® from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Miami Association of REALTORS®. All Rights Reserved. The information provided is 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. All properties are subject to prior sale or withdrawal. All information provided is deemed reliable but is not guaranteed accurate, and should be independently verified. Data last updated on November 3, 2026

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