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$2,899,000

  • For Sale
  • Active
  • Single Family
  • 2 Beds
  • 3 Full Baths
  • 1,247 Sq. Ft.
  • Updated 16 hours ago
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Life on the water begins the moment you arrive at this beautifully positioned open water home on prestigious Harbour Drive in Duck Key. Surrounded by swaying palms and tropical landscaping, this classic 2 Bedroom 3 Bathroom Florida Keys coastal cottage sits on an oversized 11,250 sq. ft. lot highlighted by a bright open-concept layout with panoramic views of Toms Harbor. Built with CBS construction, impact windows, and a metal roof, the property provides both durability and low-maintenance island living. For boaters, the property features 75 feet of concrete seawall and a dock with quick access to both the Atlantic Ocean and Gulf for world-class fishing, diving, and boating. The tropical backyard is designed for true Keys living, featuring a waterside tiki hut, shaded seating areas, and plenty of room for a future pool with a permitted convenience bathroom downstairs. An outdoor elevator, garage, and beautifully landscaped yard add comfort and curb appeal. Residents of Duck Key enjoy optional membership at Club Duck Key with access to a heated and chilled pool, pickleball and tennis courts, bocce ball, basketball, and a vibrant social calendar. Located just minutes from Marathon Jet Center, marinas, restaurants, and shopping, this Duck Key home offers the perfect balance of privacy, boating convenience, and island lifestyle.

Full Property Details for 425 Harbour Dr

General

  • Price: $2,899,000
  • Taxes: $18,533 (2025)
  • Status: Active
  • Type: Single Family
  • Source: 927
  • MLS ID: 619033
  • Updated: 5/13/2026
  • Added to Site: 63 day(s) ago

Interior

  • Interior Features: Drapes/Blinds Incl, Elevator
  • Appliances: Stainless Steel Appliance(s), Dishwasher, Dryer, Microwave, Oven, Range, Refrigerator, Washer
  • Flooring: Tile

Rooms

Bathrooms

  • Total Bathrooms: 3
  • Full Bathrooms: 3

Bedrooms

  • Total Bedrooms: 2

Additional Information

  • Shared Amenities: Other Area Features, Bike Paths

Exterior

  • Exterior Features: Chickee Hut, Lanai
  • Deck/Patio: Open Porch/Balcony, Patio
  • Porch/Patio/Deck: Open Porch/Balcony, Patio

Parking

  • Garage: Yes
  • Parking Features: Open

Location

  • Area: 20 - Duck Key, Coral Key, Conch Key
  • County: Monroe
  • Subdivision: Harbour Island (61.0)

Community

  • Assoc. Fees Include: None
  • Pets Allowed: Yes

Structural Information

  • Architectural Style: Above Flood
  • Construction: CBS
  • Roof: Metal
  • Windows/Doors: Impact Rstnce Window
  • Square Feet: 1,247
  • Sq. Ft. Source: Property Data Card
  • Year Built: 1977

Unit Information

  • Units in Building: 1

Lot Features

  • Property View: Open Water View, Bay
  • Lot Size (Acres): 0.29
  • Lot Size (Sq. Ft.): 11,250
  • Lot Size Source: Property Data Card
  • Zoning: ISM - Improved Sub Masonry

Water Features

  • Water Front: Yes
  • Water View: Yes
  • Water Front Desc.: Bay Front, Open Water

Financial Considerations

  • Tax Amount: $18,533.92
  • Tax Year: 2025
  • Terms: Cash, Conventional

Disclosures and Reports

  • Legal Description: LTS 26 & 26A AMENDED PLAT HARBOUR ISLAND DUCK KEY PB6-84
  • Flood Zone: AE, VE
  • APN: 00376951-002800

Listed by Coldwell Banker Schmitt Real Estate Co, Lisa H Ferringo (305) 797-1221

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Listing agent

— 425 Harbour Dr —

  • Lisa H Ferringo

    Coldwell Banker Schmitt Real Estate Co

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 425 Harbour Dr

School District:Monroe County School District, Middle Torch Key, FL
NameGradesDistance
Stanley Switlik Elementary School
3400 Overseas Highway, Marathon, FL 33050
PK-511.6 mi
Marathon School
350 Sombrero Beach Road, Marathon, FL 33050
6-1210.9 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 425 Harbour Dr Get Price Alerts and Save Property

Date
Details
Price
Change
Source
3/12/2026
Listed
$2,899,000
141.58%
MLS
9/11/2006
Sold
$1,200,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 425 Harbour Dr

Year
Property Taxes
Change
Tax Assessment
Change
2024
$17,801
—
$2,510,059
—
2024
$17,801
—
$2,514,269
-10%
2023
$17,720
42%
$2,786,967
126%
2021
$12,477
-13%
$1,233,609
-34%
2022
$14,336
15%
$1,868,871
75%
2021
$12,477
6%
$1,068,724
-4%
2019
$11,785
2%
$1,108,299
3%
2018
$11,568
8%
$1,076,386
-5%
2017
$10,674
8%
$1,131,601
14%
2016
$9,928
1%
$997,000
23%
2015
$9,878
11%
$808,705
10%
2014
$8,906
8%
$735,187
10%
2013
$8,239
—
$668,352
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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*These costs are estimates, and the interest rates assume exceptional credit standing.

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

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Listed by Coldwell Banker Schmitt Real Estate Co, Lisa H Ferringo (305) 797-1221

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425 Harbour Drive, Duck Key, FL 33050 (MLS# 619033) is a Single Family property with 2 bedrooms and 3 full bathrooms. 425 Harbour Drive is currently listed for $2,899,000 and was received on March 12, 2026. Want to learn more about 425 Harbour Drive? Do you have questions about finding other Single Family real estate for sale in Duck Key? You can browse all Duck Key real estate or contact a Coldwell Banker agent to request more information.

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