Lower Mat Harbor
Homes for Sale in Lower Matecumbe, FL
All 24 homes for sale in Lower Matecumbe, FL · median $3,999,999 · 28 homes for sale in 33036 · Monroe County homes for sale
True comps, carrying-cost math, and listings before the portals.
Nearby homes for sale
No active listings inside LOWER MAT 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 market around Lower Mat Harbor
Lower Mat Harbor is too small for its own price trend, so here is the market around it.
In ZIP 33036, 104 homes are on the market and 17% are under contract — a slower corner of Lower Matecumbe.
Across Monroe County, 1,268 homes are active and 244 pending (16% under contract).
ZIP and county figures describe the wider market, not Lower Mat Harbor specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in LOWER MAT HARBOR, Lower Matecumbe
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 Lower Mat Harbor buying strategy.
If we were buying in Lower Mat 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 Lower Mat Harbor.
The location and the amenities are priced into every listing in Lower Mat 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 Lower Mat 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 Lower Mat Harbor sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Lower Mat 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 Lower Mat Harbor home worth?
Get a no-obligation home value based on real comparable sales in Lower Mat 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 Lower Matecumbe →
Data sources & freshness
| Under-contract shares | Florida Keys MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2008 (19 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 →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how LOWER MAT HARBOR fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Lower Mat Harbor with Momentum Realty’s local guides.
Common questions about Lower Mat Harbor
Where is Lower Mat Harbor?
Lower Mat Harbor is a community in Lower Matecumbe, Monroe County, Florida, ZIP 33036 / 33037.
Are there homes for sale in Lower Mat Harbor right now?
No active listings inside Lower Mat Harbor at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Lower Mat Harbor have an HOA or CDD?
No HOA is on record for Lower Mat Harbor in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.