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425 Harbour Drive

Duck Key, FL, 33050

Active

$2,899,000

2

Bedrooms

3

Bathrooms

1,247 sqft

Living Area

1977

Year Built

11,250

Lot Size (sqft)

175

Days on Market

Dock Score™

DockOnly
78
Good

What shaped this score

Ocean Access
Dock with boat lift
Bridge-free to bay
Fits boats up to ~60ft (est.)

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

Dock & Water AccessMLS

Bay FrontOpen Water

AI Aerial Imagery Detection

Dock DetectedBoat Lift DetectedSeawall DetectedDeep Water Indicators~51-69 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

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.

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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 Coldwell Banker Schmitt Real Estate Co via Florida Keys MLS

Last checked: 3 hours ago

Listing updated: September 3, 2026

© 2026 Florida Keys Board of REALTORS®, Inc. 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 the Florida Keys Board of REALTORS®. 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%

$579,800 down

%
Principal & Interest$15,042/mo
Property Tax (est. ~1.2%, varies by county)$2,899/mo
Home Insurance (est.)$250/mo
Total Monthly Payment$18,191
Loan Amount: $2,319,200Rate: 6.75%
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$2,899,000Tour 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.