16 Seaside Avenue, Key Largo, FL 33037
Sources: Florida Keys MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 26, 2026, 16 Seaside Avenue in Seaside Sub (94.5), Key Largo is listed at $11,750,000. That is 658% above Seaside Sub (94.5)'s median closed sale of $1,550,000 over the last 12 months (31 recorded sales). It has been 93 days on market. Listing facts: built in 2025, a private pool, waterfront, no HOA. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2025 · 1 yrs
- 93 days on market
- HOA ~$50/mo (estimate; confirm)
Pricing & the Sugarloaf Shores (17.0) market
How this home is priced against recent nearby sales, and where Sugarloaf Shores (17.0) has been over 25 years. Momentum Research analysis of Florida Keys MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 42 (normal).
This home’s history
- 2025BuiltPer public record
- Aug 4, 2026First trackedObserved at $11,750,000
- NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $62,728/mo 82%
- Taxes $10,281/mo 13%
- Insurance $3,167/mo 4%
- HOA $50/mo 0%
$76,226/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
42/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
Recent Sugarloaf Shores (17.0) sales closed near 92.3% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Florida Keys MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1167 active listings in Sugarloaf Shores (17.0), no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 26, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Beyond the gates lies an oceanfront estate whose finest qualities extend far beyond what you have seen! From its protected private marina offering 6 boat slips and fully integrated smart-home technology to its rooftop observation deck, private sandy shoreline, and resort-caliber outdoor living, every element has been designed to deliver an exceptional waterfront lifestyle. Welcome to 16 Seaside Avenue.
From the moment the private gates open, a fully integrated smart home system seamlessly controls the estate--from the front entrance and security system to interior lighting, climate, surround sound, and even the dock lighting--creating a level of convenience rarely found in waterfront homes. A commercial elevator services all three levels, while a whole-house generator provides peace of mind year-round. With everyday living in mind, the home features 2 dedicated laundry rooms for the upmost functionality.
Every bedroom serves as a private retreat, complete with its own spa-inspired ensuite bathroom, spacious walk-in closet, and custom built-in closet system. Expansive open living areas are filled with natural light and thoughtfully designed to maximize breathtaking Atlantic Ocean views. Outdoor living rivals that of a private resort.
The spectacular oceanfront pool, spa and waterfall, covered gazebo, outdoor kitchen, and integrated indoor and outdoor surround sound create the perfect setting for entertaining. A private sandy beach and pier provide an idyllic place to enjoy spectacular sunrises over the Atlantic, while the rooftop observation deck captures sweeping panoramic ocean views of both the ocean and bay. Best of all this property offers the ability for short term 7-Day rentals!
This is a rare opportunity to own an estate designed to deliver the very best of the Florida Keys! SELLER FINANCING AVAILABLE!
All 118 photos
Description provided by Berkshire Hathaway HomeServices Keys Real Estate - Islamorada and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Similar homes for sale near Seaside Sub (94.5)
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in Seaside Sub (94.5)
- 75055 Overseas Highway · $2,790,000 · 3 bd / 2.0 ba · listed September 24, 2026 (courtesy of Ocean Sotheby's International Realty)
- 115 Villa Bella Drive · $4,899,000 · 4 bd / 4.0 ba · listed September 24, 2026 (courtesy of American Caribbean Real Estate, Christie's International Real Estate)
- 226 Navajo Street · $4,350,000 · 4 bd / 3.5 ba · listed September 24, 2026 (courtesy of Ocean Sotheby's International Realty)
- 148 Tequesta Street · $999,000 · 3 bd / 2.0 ba · listed September 24, 2026 (courtesy of Better Homes and Gardens Real Estate Destinations)
- 547 Plante Street · $769,000 · 3 bd / 2.0 ba · listed September 24, 2026 (courtesy of Coldwell Banker Schmitt Key Largo)
- 15 Sombrero Boulevard #212W · $465,000 · 2 bd / 2.0 ba · listed September 24, 2026 (courtesy of Coldwell Banker Schmitt Real Estate Co.)
Recently off market in Seaside Sub (94.5)
- 87200 Overseas Highway #S3 · last listed $635,000 · 2026-09-25
- 813 Narragansett Lane · last listed $320,000 · 2026-09-25
- 76412 Overseas Highway · last listed $2,300,000 · 2026-09-25
- 653 Indies Road · last listed $1,265,000 · 2026-09-25
- 481 E Shore Drive #481 E Shore Drive · last listed $5,500,000 · 2026-09-25
- 3326 Eagle Avenue · last listed $599,000 · 2026-09-25
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 16 Seaside Avenue?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by Berkshire Hathaway HomeServices Keys Real Estate - Islamorada · MLS # 620408
Request a showing
Recent sales activity in Seaside Sub (94.5)
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Seaside Sub (94.5) neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Seaside Sub (94.5)
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Monroe County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
See schools in the Seaside Sub (94.5) guide → · Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 16 Seaside Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2025: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
- Get a homeowners insurance quote for this specific address in Monroe County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Confirm square footage and room dimensions independently.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $123,375/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- Confirm school zoning directly with the district.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | Florida Keys MLS, refreshed twice daily (last: September 26, 2026) |
| Community market stats | Florida Keys MLS closed sales, as of September 20, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Florida Keys MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 16 Seaside Avenue and when was it built?
Per the listing record, 16 Seaside Avenue was built in 2025 and has 7 bedrooms and 8.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 16 Seaside Avenue in?
16 Seaside Avenue is in Seaside Sub (94.5) in Key Largo, Monroe County. The community section on this page shows recent closed sales, days on market, and active inventory for Seaside Sub (94.5) from the same MLS data.
Does 16 Seaside Avenue have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 16 Seaside Avenue differ from the current owner's?
The estimate on this page (about $123,375 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 16 Seaside Avenue in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 16 Seaside Avenue in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Momentum Realty · licensed in FL & GA
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Florida Keys MLS, Inc. Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being 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. Source: Florida Keys MLS, Inc.. © 2026 Florida Keys MLS, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.