Key Cove
Homes for Sale in Key West, FL
All 228 homes for sale in Key West, FL · median $1,100,000 · 227 homes for sale in 33040 · Monroe County homes for sale
True comps, carrying-cost math, and listings before the portals.
Nearby homes for sale
No active listings inside KEY COVE 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.
| Location | Key West, Monroe County, FL · ZIP 33040, 33045 |
|---|---|
| Homes in the community | 18 (FL DOR 2025 assessment roll) |
| Years built | 1939–1989 (median 1950.0) |
| Typical living area | 2,162 sq ft (median) |
| Owner-occupied (homestead) share | 28% |
Data as of September 20, 2026. Listing data provided by Florida Keys MLS, Inc. Information is deemed reliable but is not guaranteed by the MLS to be accurate; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “KEY COVE key facts,” movewithmomentum.com/neighborhoods/key-cove, data as of September 20, 2026.
The market around Key Cove
Key Cove is too small for its own price trend, so here is the market around it.
In ZIP 33040, 344 homes are on the market and 15% are under contract — a slower corner of Key West.
Across Monroe County, 1,268 homes are active and 244 pending (16% under contract).
ZIP and county figures describe the wider market, not Key Cove specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in KEY COVE, Key West
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. 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 Key Cove buying strategy.
If we were buying in Key Cove 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 Key Cove.
A closer look at the Key Cove market
The housing stock is 18 homes built between 1939 and 1989, and 28% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Key Cove. 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 Key Cove 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 Key Cove sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Key Cove, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Key Cove home worth?
Get a no-obligation home value based on real comparable sales in Key Cove, 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 Key West →
Frequently Asked Questions
How many homes are in Key Cove?
What share of Key Cove is owner-occupied?
When were the homes in Key Cove built?
Who is the best real estate agent for Key Cove?
How do I find a top Key West real estate agent who knows Key Cove?
Can Momentum Realty connect me with an agent for Key Cove?
Where is Key Cove, and what county is it in?
Data sources & freshness
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 33040/33045)) |
| Under-contract shares | Florida Keys MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2002 (115 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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See how KEY COVE fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Key Cove with Momentum Realty’s local guides.