SANTA CLARA
Homes for Sale in Key West, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Santa Clara sits inside Key West, Monroe County — a market where scarcity of land and the carrying costs of island ownership set the price floor more reliably than local supply cycles do. The median here is $423,500, up 16.5% year-over-year and 220% since 2012. Those long-run numbers reflect the structural reality of a barrier island with finite buildable lots, not a temporary run-up driven by speculation.
What should give buyers pause is the pace: a median of 113.5 days on market and a market heat score of 42 signal that demand is selective, not broad. Sellers are achieving strong prices, but not quickly. That dynamic rewards patient, well-prepared buyers who can negotiate from a position of financial certainty — and it punishes sellers who overprice on the assumption that island cachet will paper over any gap between asking and market value.
SANTA CLARA right now
🟢 Still climbing. The trailing-12-month median ($424K) is up 16.5% from the prior 12 months ($363K) and up 220% since 2012. With about a dozen 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 8 sales in the two windows).
What's unique here: the median sale price is about 55% below the typical Monroe County sale ($424K vs $950K, trailing 12 months, floridakeys records).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
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
SANTA CLARA market snapshot (as of July 27, 2026): the median sale price is about $424K, and a median 114 days on market for closed sales. The trailing-12-month median is up 16% from the prior 12 months and up 220% since 2012, computed from record-level floridakeys closed sales (4 closings in the current window).
Santa Clara is a Key West community trading at a median just over $420K, in a county where inventory is structurally constrained and carrying costs — insurance, flood zone requirements, and HOA or maintenance obligations — are a real part of the ownership equation alongside the purchase price.
Who SANTA CLARA is best for.
Best for
- Buyers targeting a Key West address with a budget at or above the $423,500 median who can tolerate a protracted search and are prepared for island-specific carrying costs.
- Investors or second-home buyers with a long hold horizon who are drawn to the structural scarcity argument and are not relying on near-term liquidity.
- Sellers who own here already and are willing to price at market rather than aspirationally — the appreciation trend supports patience, but days on market punish overpricing.
Probably not for
- Buyers who need a quick, predictable closing timeline — at a median of 113.5 days on market, this is not a fast-moving inventory pool.
- Buyers stretching their budget to reach the median price point without a clear plan for flood insurance, maintenance reserves, and the other carrying costs specific to Monroe County coastal ownership.
- Anyone expecting the volume of comparable sales typical of a mainland market — with only four closings in the window, appraisal and negotiation risk are both elevated.
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 ($424K) IS the median in the snapshot above, and the move from 2025 ($363K) IS the +16.5% one-year change.
Windows contain 4 to 30 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.
The SANTA CLARA buying strategy.
If we were buying in SANTA CLARA 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 SANTA CLARA.
What the days-on-market number is telling you
A median of 113.5 days on market in a market that has appreciated 16.5% in one year is not a contradiction — it is a clarification. Buyers here are not walking away from value; they are exercising discipline around condition, flood insurance exposure, and the true cost of ownership in a coastal zone. Listings that are priced and presented correctly close; those that are not sit. The result is a wide spread in real-world outcomes even when the median looks strong.
With only four closings in the current measurement window, the data set is narrow. A single outlier sale can meaningfully move both the median price and the median DOM. That is not a flaw in the numbers — it is an accurate reflection of how thinly traded Santa Clara is. Buyers and sellers alike should treat each comparable sale as a data point worth examining individually, not as part of a deep pool of transactions that smooths out anomalies.
The location and the amenities are priced into every listing in SANTA CLARA. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in SANTA CLARA buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (8.7). Basis: Long-Term Appreciation +220% since 2012; Recent Direction +16.5% year-over-year; Pricing Power 94.0% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a market with low transaction volume and above-average days on market, the quality of representation has an outsized effect on outcome. Momentum brings Northeast Florida brokerage discipline — rigorous comparable analysis, honest pricing conversations, and a willingness to tell a client when a listing is stretched — to a community where those skills matter more than average. We will not tell you this market is easier than it is, and we will not let you overpay or underprice based on a sample of four.
SANTA CLARA 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 SANTA CLARA 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 SANTA CLARA sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in SANTA CLARA, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your SANTA CLARA home worth?
Get a no-obligation home value based on real comparable sales in SANTA CLARA, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
What is the median home price in SANTA CLARA?
How long do homes in SANTA CLARA take to sell?
Do cash buyers compete in SANTA CLARA?
Have SANTA CLARA home prices gone up?
Who is the best real estate agent for SANTA CLARA?
How do I find a top Key West real estate agent who knows SANTA CLARA?
Can Momentum Realty connect me with an agent for SANTA CLARA?
Should you buy in SANTA CLARA?
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 2000 (218 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.
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 floridakeys member average and 8 days faster, and we’ll price yours against live your area comps.
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