Center Island (Toms Harbor)
Homes for Sale in Duck Key, FL
All 48 homes for sale in Duck Key, FL · median $1,247,500 · 46 homes for sale in 33050 · Monroe County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Over the 12 months ending 2026-09-12, 4 recorded sales closed at a median of $1,500,000, a median 60 days on market, sellers accepting 85% of original asking (-13% versus the prior year). At the median price and Monroe County's FY2025-26 rate of 8.816 mills, annual property tax runs about $13,220 ($12,880 with the full homestead exemption).
Center Island (Toms Harbor) right now
🔴 Off the recent peak. The trailing-12-month median ($1.50M) is down 13.0% from the prior 12 months ($1.73M). 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 Florida Keys MLS closed sales, 12-month windows ending September 12. Confidence: Low (4 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 20, 2026 · Live data: Florida Keys MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Nearby homes for sale
No active listings inside CENTER ISLAND (TOMS HARBOR) right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Center Island (Toms Harbor) market snapshot (as of September 12, 2026): the median sale price is about $1.50M, and a median 60 days on market for closed sales. The trailing-12-month median is down 13% from the prior 12 months, computed from record-level Florida Keys MLS closed sales (4 closings in the current window).
In ZIP 33050 (Duck Key), 209 homes closed in the last 12 months at a median of $799K, up 3.4% year over year, with a median 85 days on market. See the live ZIP 33050 housing market and the Monroe County market.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level Florida Keys MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($1.50M) IS the median in the snapshot above, and the move from 2025 ($1.73M) IS the -13.0% 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 real cost & risk here
Before the list price, the Florida math the portals skip. These are Monroe County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Monroe County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
15% of homes for sale in ZIP 33050 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-08).
The Center Island (Toms Harbor) buying strategy.
If we were buying in Center Island (Toms Harbor) 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 Center Island (Toms Harbor).
A closer look at the Center Island (Toms Harbor) market
Homes in Center Island (Toms Harbor) trade around a median of $1.50M, where condition and lot do more to set the final number than the asking price does.
The trailing-12-month median down 13% year over year. Homes that do trade take a median 60 days on market, useful leverage on any listing that has lingered.
The location and the amenities are priced into every listing in Center Island (Toms Harbor). The deal is won or lost on condition, the comps, and the renovation math.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- 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 Center Island (Toms Harbor) 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 Center Island (Toms Harbor) sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Center Island (Toms Harbor), the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Center Island (Toms Harbor) home worth?
Get a no-obligation home value based on real comparable sales in Center Island (Toms Harbor), 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 all homes for sale in Duck Key →
Frequently Asked Questions
What is the median home price in Center Island (Toms Harbor)?
How long do homes in Center Island (Toms Harbor) take to sell?
Who is the best real estate agent for Center Island (Toms Harbor)?
How do I find a top Duck Key real estate agent who knows Center Island (Toms Harbor)?
Can Momentum Realty connect me with an agent for Center Island (Toms Harbor)?
Where is Center Island (Toms Harbor), and what county is it in?
Data sources & freshness
| Community market stats | Florida Keys MLS closed sales, 12-month windows ending September 12, 2026 |
| Under-contract shares | Florida Keys MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2007 (71 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 Florida Keys MLS 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.
Own a home here?
You just read the data. Now see what your home is worth.
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 Florida Keys MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how CENTER ISLAND (TOMS HARBOR) fits the bigger picture — live prices, inventory, and Momentum Scores:
More Duck Key & 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.
Nearby Communities
Explore more neighborhoods near Center Island (Toms Harbor) with Momentum Realty’s local guides.