For sale

$2,300,000

76412 Overseas Hwy, Islamorada, FL 33036

3beds

2,000sqft

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Single Family Residence

Built in 1985

7,840 Square Feet Lot

$-- Zestimate^®

$1,150/sqft

$59/mo HOA

What's special

Boat liftDownstairs bedroom and bathroomProtected harbor

Make all of your Florida Keys fantasies come true at Fantasy Harbor! We're willing to bet you never even knew this gated community on Islamorada's Lower Matecumbe existed. This concrete harborfront home is being offered for the very first time. Upstairs 2 bedroom 2 bathrooms suites with open and spacious harborview living areas plus downstairs bedroom and bathroom with a bonus party hut reminiscent of relaxing Bahamian nights after a day on the water. Quiet & private living situated just off the Florida Bay in a protected harbor with 99' concrete seawall on cap rock plus boat lift. This one is a winner!

641 days

821

32

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Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 3
Bathrooms: 3
Full bathrooms: 3

Cooling

Central Air, Ceiling Fans(s)

Appliances

Included: Washer, Stainless Steel Appliance(s), Wine Cooler, Ice Machine, Microwave, Oven, Refrigerator, Dishwasher, Dryer

Features

Granite Counters, Walk-In Closet(s), Storage, Wet Bar
Flooring: Other
Doors: Impact Rstnce Doors
Windows: Drapes/Blinds Incl, Window Treatments, Impact Rstnce Window

Interior area

Total interior livable area: 2,000 sqft

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Property

Parking

Parking features: Carport, Trailer Storage, Covered, Off Street
Has carport: Yes

Features

Patio & porch: Open Porch/Balcony
Exterior features: Storage, Outdoor Shower
Has view: Yes
View description: Canal, Harbor/Marina View
Has water view: Yes
Water view: Canal,Harbor/Marina View
Waterfront features: Canal Front, Waterfront, Seawall: Concrete, Dock: Concrete, Dock Length: 99, Dockage: Boat Lift, Basin

Lot

Size: 7,840 Square Feet
Dimensions: 99 x 150
Features: 1/4 - 1/2 Acre

Details

Additional structures: Gazebo
Parcel number: 00396960000400
Zoning: R1
Zoning description: Residential Single Family

Construction

Type & style

Home type: SingleFamily
Property subtype: Single Family Residence

Materials

CBS, Concrete
Roof: Metal

Condition

Updated/Remodeled
New construction: No
Year built: 1985

Utilities & green energy

Sewer: Municipal Sewer, Public Sewer
Utilities for property: FKAA, Cable Available

Community & HOA

Community

Subdivision: Fantasy Harbor (77.0)

HOA

Has HOA: Yes
Services included: None
HOA fee: $702 yearly

Location

Region: Islamorada

Financial & listing details

Price per square foot: $1,150/sqft
Tax assessed value: $1,280,074
Annual tax amount: $10,137
Date on market: 10/17/2024
Listing terms: Cash,FHA,VA Loan,Conventional

Estimated market value

Not available

Estimated sales range

Not available

Price history

Date	Event	Price
3/30/2026	Listed for sale	$2,300,000$1,150/sqft
Source: FLKMLS #611841 Report a problem
3/26/2026	Pending sale	$2,300,000$1,150/sqft
Source: FLKMLS #611841 Report a problem
3/23/2026	Contingent	$2,300,000$1,150/sqft
Source: FLKMLS #611841 Report a problem
3/21/2025	Price change	$2,300,000-4.2%$1,150/sqft
Source: FLKMLS #611841 Report a problem
10/17/2024	Listed for sale	$2,400,000+805.7%$1,200/sqft
Source: Key West AOR #611841 Report a problem
10/18/1994	Sold	$265,000$133/sqft
Source: Public Record Report a problem

Public tax history

Year	Property taxes	Tax assessment
2025	$11,791 +10.1%	$1,165,980 +10%
2024	$10,713 +5.7%	$1,059,982 +10%
2023	$10,137 +9.6%	$963,620 +10%
2022	$9,249 +6.8%	$876,018 +10%
2021	$8,662 +2.8%	$796,380 +3.6%
2020	$8,429	$768,771 +9.5%
2019	$8,429 +6.4%	$701,921 +2.8%
2018	$7,922 +3.2%	$682,719 0%
2017	$7,679 +3%	$683,025 +8.1%
2016	$7,456 +2.5%	$632,104 -4.6%
2015	$7,272	$662,431

Find assessor info on the county website

Monthly payment

Est. payment

Payment breakdown

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Principal & interest
$1,547
Mortgage insurance
$0
Property taxes
$170
Home insurance
$105
HOA fees
$0
Utilities
Not included

All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.

HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.

Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.

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