16 Seaside Avenue, Key Largo, FL 33037
Sources: Florida Keys MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
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 listed Jun 25, 2026. 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.
- Built 2025 · 1 yrs
- listed Jun 25, 2026
- No HOA reported by the listing (confirm)
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.
Comparable recent sales
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for Seaside Sub (94.5). A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
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
Estimated monthly payment
- Principal & interest $63,679/mo 84%
- Taxes $8,596/mo 11%
- Insurance $3,167/mo 4%
$75,441/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Florida Keys MLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 16 Seaside Avenue
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $7,800/yr (certified county roll, taxable value × millage). Buy at the asking price of $11,750,000 and the first-year bill resets to about $103,150/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 8.82 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | The listing states there is no HOA. |
| Home and flood insurance | The average Citizens Property Insurance premium in Monroe County is $4,380/yr (1,542 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $26,500–$55,000/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 2025. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form. |
Estimated carrying cost at the asking price, before the mortgage: about $8,961/month (tax $8,596, insurance $365). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
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.
Monroe County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Natural hazard risk
FEMA National Risk Index for Monroe County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Monroe County market
How this home is priced against recent nearby sales, and where Monroe County 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
- About Jun 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Jun 25, 2026)
- Aug 4, 2026First seen on our siteObserved at $11,750,000
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Price & listing history
Building permits
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.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
Recent Monroe County 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 Monroe County, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS November 6, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Berkshire Hathaway HomeServices Keys Real Estate - Islamorada · MLS # 620408
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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)
- 6800 Maloney Avenue #13 · $489,000 · 3 bd / 3.0 ba · listed November 6, 2026 (courtesy of Berkshire Hathaway HomeServices Knight & Gardner Realty)
- 101 Madeira Court · $2,799,000 · 3 bd / 3.0 ba · listed November 5, 2026 (courtesy of Coldwell Banker Schmitt Islamorada)
- 3930 S Roosevelt Boulevard #E204 · $549,000 · 3 bd / 2.0 ba · listed November 5, 2026 (courtesy of Island Home Realty Inc.)
- 2394 Coco Plum Drive #2 · $4,500,000 · 6 bd / 6.5 ba · listed November 5, 2026 (courtesy of Berkshire Hathaway HomeServices Keys Real Estate - Islamorada)
- 2394 Coco Plum Drive #3 · $4,750,000 · 6 bd / 6.5 ba · listed November 5, 2026 (courtesy of Berkshire Hathaway HomeServices Keys Real Estate - Islamorada)
- 88181 Old Highway #G 21 · $695,000 · 3 bd / 2.0 ba · listed November 5, 2026 (courtesy of Ocean Sotheby's International Realty)
Recently off market in Seaside Sub (94.5)
- 999 Morris Avenue #4-8 · last listed $699,000 · 2026-11-04
- 8304 Marina Villa Drive · last listed $900,000 · 2026-11-04
- 8 S Andros Road · last listed $698,000 · 2026-11-04
- 543 74Th Street · last listed $619,900 · 2026-11-04
- 4 Tina Place · last listed $465,000 · 2026-11-04
- 342 Spanish Main Drive · last listed $949,000 · 2026-11-04
Just listed: new homes for sale in the Florida Keys in the last 48 hours · updated hourly · RSS · The Florida Keys market today: new listings, price cuts, pendings
More on Monroe County
Explore Monroe County
Browse market data, schools, taxes, and homes for sale across the county.
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.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
What homes sell for in 33037 — recent sale prices by community.
View →Median price, days on market and supply from MLS data.
View →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 $103,150/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $95,350 more per year than the current owner’s estimated bill (+1222%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | Florida Keys MLS, checked against the MLS hourly (last: November 6, 2026) |
| Comparable sales | Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| 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. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
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 $103,150 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $95,350 more per year than the current owner’s estimated bill (+1222%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. 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
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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 jon@movewithmomentum.com and we will review and correct or remove it promptly.
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. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.
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.