BAY HARBOUR
Homes for Sale in Lower Matecumbe, FL
True comps, carrying-cost math, and listings before the portals.
Bay Harbour sits in Lower Matecumbe, Monroe County — Florida Keys geography where waterfront access and the scarcity of buildable land do most of the pricing work. The median closed price of $1,000,000 reflects that reality. With only four closings in the measurement window, this is a thin market: each transaction carries outsized weight, and a single distressed or exceptional sale can move the median meaningfully. The flat year-over-year change signals equilibrium, not momentum — sellers are not gaining ground, and buyers are not extracting discounts.
A median days-on-market of 209 days — roughly seven months — is the number that defines buyer posture here. Properties sit. That is partly structural: the buyer pool for seven-figure Keys inventory is narrow nationally, and financing timelines on non-conforming coastal properties run longer than on mainland purchases. For a buyer, extended market time creates negotiating room that simply does not exist in faster-moving corridors. For a seller, it means patience and precise initial pricing are not optional.
BAY HARBOUR right now
🟡 Still climbing. The trailing-12-month median ($1M) is up 0.0% from the prior 12 months ($1000K). With about 3 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level floridakeys closed sales, 12-month windows ending July 27. Confidence: Low (4 and 3 sales in the two windows).
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Updated July 27, 2026 · Live data: floridakeys, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
BAY HARBOUR market snapshot (as of July 27, 2026): the median sale price is about $1M, and a median 209 days on market for closed sales. The trailing-12-month median is up 0% from the prior 12 months, computed from record-level floridakeys closed sales (4 closings in the current window).
Bay Harbour is a small, low-turnover community in the Lower Keys chain where the combination of Monroe County's strict land-use constraints and direct proximity to Florida Bay keeps the price floor firmly in the seven-figure range — regardless of condition or finish level.
Who BAY HARBOUR is best for.
Best for
- Cash or pre-approved buyers with a seven-figure budget who prioritize Lower Keys access over amenity-rich community infrastructure.
- Buyers pursuing a second property or retreat use who can absorb a multi-month due diligence and closing timeline without operational pressure.
- Investors or end-users who have already resolved Monroe County insurance and flood-zone questions and are specifically targeting low-turnover inventory where motivated sellers occasionally appear.
Probably not for
- Buyers who need to close quickly or are working against a lease-end or relocation deadline — 209 median days on market signals the pace this community moves.
- Buyers expecting a furnished lifestyle community with HOA-managed amenities — nothing in current listings indicates that infrastructure exists here.
- Buyers who require multiple recent comparable sales to feel confident in their offer price — four closings in the measurement window will not satisfy that need.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 27 of each year, from record-level floridakeys closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($1M) IS the median in the snapshot above, and the move from 2025 ($1000K) IS the +0.0% one-year change.
Windows contain 0 to 9 sales each (4 in the current window); every figure carries its sample size, and thin markets swing on single closings. Listing data provided by Florida Keys MLS, Inc. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
The BAY HARBOUR buying strategy.
If we were buying in BAY HARBOUR today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in BAY HARBOUR.
A thin market in a supply-constrained corridor
Four closings over the measurement window is not a rounding error — it is the actual cadence of this community. Buyers accustomed to reading trend lines should understand that Bay Harbour does not produce enough transaction volume to generate statistically stable trends. The zero percent year-over-year price change is better read as 'the market cleared at roughly the same level it did a year ago' than as a signal of underlying price stability. When volume is this low, median figures can shift sharply with a single outlier sale in either direction.
No community amenities were identified in current MLS listings, which means the value proposition here rests on the lot, the structure, and the Keys location itself — not on clubhouse infrastructure or managed HOA services. Buyers should budget for due diligence that goes deeper than a standard inspection: flood zone classification, elevation certificate status, wind mitigation features, and insurance availability in Monroe County all materially affect true cost of ownership and deserve scrutiny before an offer is written.
The location and the amenities are priced into every listing in BAY HARBOUR. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community where four sales constitute the entire recent record, comparable selection and negotiation positioning cannot be templated. Momentum Realty brings Northeast Florida market discipline to Keys transactions — meaning we stress-test pricing against thin comps rather than accept them at face value, and we know how to structure offers that account for extended seller timelines without leaving leverage on the table. If Bay Harbour is not the right fit for your goals, we will tell you before you are under contract.
BAY HARBOUR in 15 seconds.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a BAY HARBOUR buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed BAY HARBOUR sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in BAY HARBOUR, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your BAY HARBOUR home worth?
Get a no-obligation home value based on real comparable sales in BAY HARBOUR, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in BAY HARBOUR on the map →
Frequently Asked Questions
What is the median home price in BAY HARBOUR?
How long do homes in BAY HARBOUR take to sell?
Do cash buyers compete in BAY HARBOUR?
Who is the best real estate agent for BAY HARBOUR?
How do I find a top Lower Matecumbe real estate agent who knows BAY HARBOUR?
Can Momentum Realty connect me with an agent for BAY HARBOUR?
Should you buy in BAY HARBOUR?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Community market stats | floridakeys closed sales, 12-month windows ending July 27, 2026 |
| Historical depth | Closed-sale records back to 2006 (54 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of floridakeys records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the floridakeys member average and 8 days faster, and we’ll price yours against live your area comps.
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More Lower Matecumbe & The Florida Keys & Monroe County guides
Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of The Florida Keys & Monroe County or the full Neighborhood Finder.