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422 HARBOUR DRIVE

Duck Key, FL, 33050

Active

$4,500,000

4

Bedrooms

3

Bathrooms

2,620 sqft

Living Area

1985

Year Built

12,197

Lot Size (sqft)

1

Days on Market

Dock Score™

DockOnly
78
Good

What shaped this score

✓Bay
✓Dock with boat lift
✓Fits boats up to ~85ft (est.)
✓Bridge-free to ocean

DockOnly.com rating, not provided by the MLS or listing broker.

Dock & Water AccessMLS

Gulf/Ocean to Bay📝 30K-lb boat lift

AI Aerial Imagery Detection

Dock DetectedSeawall DetectedDeep Water Indicators~72-98 ft dock

Detected by AI from open-source aerial mapping imagery and may not reflect current conditions. This information was not provided by the MLS or listing broker. Always verify dock infrastructure with the listing agent.

Navigation RouteDockOnly

Data sources: SFWMD AHED waterway polygons · FHWA National Bridge Inventory 2024 · Not provided by the MLS or listing broker.

Description

There are places where the water is part of the view. And then there's Duck Key, where it shapes the entire way of life. Set in the heart of the Florida Keys, this two-story waterfront residence brings together thoughtful living spaces, beautiful open-water scenery, and everything that makes island life so distinctive. The home offers four bedrooms and three bathrooms, surrounded by lush landscaping and designed to make the most of its waterfront setting. Outside, the property really comes into its own. A private pool, beach area, and dock put the water at the center of every day. And for boaters, the details matter: A 30,000-pound boat lift, a jet ski lift, a fish cleaning station, and steps leading right into the water. A morning offshore, an afternoon exploring the keys, or a quiet evening back at the pool. Here, those aren't special occasions. They're simply options. Upstairs, the open living kitchen areas are made for gathering, but the water remains the focal point with sliding glass doors that open to an expansive balcony that wraps around the upper level. The upper floor also includes the master bedroom with an ensuite bath, second bedroom and full bath in the hallway. Downstairs, a second living area, kitchenette, two additional bedrooms, and another full bathroom create a flexible layout for family and guests. From the lower level, step outside to the balcony, pool, beach and dock. Beyond the property, Duck Key has its own distinctive appeal. Join the optional Duck Key clubhouse for a pool, tennis, pickleball, and events, or Hawks Cay Resort for its Michelin-rated Salt and Ash restaurant, saltwater lagoon, Dolphin Connection, and pools.

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Location

Duck Key, FL, 33050

No price history available for this property.

Displayed by Blue Mar Real Estate Group Inc., Licensed Florida Real Estate Broker (DBPR CQ1018554) · [email protected]

Listing courtesy of THE HIGH TIDE GROUP via Stellar MLS

Last checked: 9 hours ago

Listing updated: October 15, 2026

© 2026 Stellar MLS. All rights reserved. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of Stellar MLS. Information is deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal.

IDX information is provided exclusively for consumers' personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Nearest Bridge Clearances

Florida Keys, critical for tall/large vessels

No bridge data available for this location.
FEMA Flood Zone AE
BFE: 9ft

Special Flood Hazard Area

View FEMA Flood Map →
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Mortgage Calculator

Estimate your monthly payment for this waterfront property

20%

$900,000 down

%
Principal & Interest$23,350/mo
Property Tax (est. ~1.2%, varies by county)$4,500/mo
Home Insurance (est.)$250/mo
Total Monthly Payment$28,100
Loan Amount: $3,600,000Rate: 6.75%
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$4,500,000Tour the dockSchedule a Showing
Navigation note: Navigation routes show the shortest mapped path to open water. A vessel taller than the binding bridge clearance may still reach open water via a longer alternate route that we don't currently map. Verify navigability with a local captain or surveyor before relying on it.