Mat Ocean Bay
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 MAT OCEAN BAY 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 Mat Ocean Bay
Mat Ocean Bay 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 Mat Ocean Bay specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in MAT OCEAN BAY, 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 Mat Ocean Bay buying strategy.
If we were buying in Mat Ocean Bay 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 Mat Ocean Bay.
The location and the amenities are priced into every listing in Mat Ocean Bay. 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 Mat Ocean Bay 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 Mat Ocean Bay sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Mat Ocean Bay, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Mat Ocean Bay home worth?
Get a no-obligation home value based on real comparable sales in Mat Ocean Bay, 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 2007 (51 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 MAT OCEAN BAY fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Mat Ocean Bay with Momentum Realty’s local guides.
Common questions about Mat Ocean Bay
Where is Mat Ocean Bay?
Mat Ocean Bay is a community in Lower Matecumbe, Monroe County, Florida, ZIP 33036.
Are there homes for sale in Mat Ocean Bay right now?
No active listings inside Mat Ocean Bay at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Mat Ocean Bay have an HOA or CDD?
No HOA is on record for Mat Ocean Bay 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.