SUNRISE SHORES
Homes for Sale in Key West, FL
True comps, carrying-cost math, and listings before the portals.
Sunrise Shores sits inside the Monroe County MLS feed, which means every closing carries the premium that comes with Key West's constrained land supply and national demand for island property. With a median year built of 1960, the stock skews vintage — buyers should price in renovation, wind-mitigation upgrades, and flood-insurance carrying costs before they fall in love with a listing.
Just over half of the 427 homes carry a homestead exemption, which tells you this is not purely a vacation or investment market, but it is not a bedroom suburb either. That split matters: when a non-homesteaded unit comes to market it can draw both primary-residence and short-term-rental buyers, which can push pricing in either direction depending on the regulatory climate at closing time.
Who SUNRISE SHORES is best for.
Best for
- Buyers targeting a primary Keys residence who understand vintage construction and have budgeted for potential wind-mitigation and systems upgrades.
- Investors or second-home buyers who have already navigated Monroe County's short-term rental regulatory process and are comfortable with the non-homesteaded carrying cost structure.
- Buyers who prefer no HOA overhead and are willing to accept a more variable streetscape in exchange for lower monthly fixed costs.
Probably not for
- Buyers expecting a fully updated, move-in-ready home without contingency risk — the 1900–2024 build-year spread means condition varies enormously and due diligence is non-negotiable.
- Buyers whose financing is rate-sensitive and has not yet accounted for Keys-level flood and wind insurance premiums in their debt-to-income calculation.
- Buyers who rely heavily on a large comparable-sales pool to feel confident in an offer price — the two-closing data window is narrow and comps require careful vetting.
The SUNRISE SHORES buying strategy.
If we were buying in SUNRISE SHORES 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 SUNRISE SHORES.
Old Keys Stock, Real Carrying Costs
The median year built of 1960 is the single most consequential data point here. Homes of that era predate modern hurricane codes, many have knob-and-tube or early aluminum wiring, and insurance underwriters price that risk. A buyer who has shopped mainland Florida and not yet owned in the Keys will encounter a different insurance landscape — wind, flood, and elevation certificates are not afterthoughts, they are line items that can materially affect monthly carrying costs and resale financing options.
The community carries no identified shared amenities from current MLS listings, so buyers are not paying into HOA infrastructure. That can mean lower monthly overhead, but it also means the streetscape and any shared spaces reflect individual owner decisions. With a two-closing data window in play, this is a thin-data market at any given snapshot — buyers and sellers should weight closed comparable sales carefully and not treat a single outlier as the market.
The location and the amenities are priced into every listing in SUNRISE SHORES. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Momentum Realty operates in a Florida MLS environment that includes the Keys feed, so our team reads the same data that drives pricing decisions in Sunrise Shores. In a market where the homestead split signals competing buyer pools and vintage construction demands clause-level contract discipline — inspection periods, elevation certificate contingencies, insurance binders before closing — you want representation that has worked that checklist before, not learned it on your transaction.
SUNRISE SHORES 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 SUNRISE SHORES 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 SUNRISE SHORES sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in SUNRISE SHORES, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your SUNRISE SHORES home worth?
Get a no-obligation home value based on real comparable sales in SUNRISE SHORES, 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 homes for sale in SUNRISE SHORES on the map →
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.
Frequently Asked Questions
How many homes are in SUNRISE SHORES?
What share of SUNRISE SHORES is owner-occupied?
When were the homes in SUNRISE SHORES built?
Do cash buyers compete in SUNRISE SHORES?
Who is the best real estate agent for SUNRISE SHORES?
How do I find a top Key West real estate agent who knows SUNRISE SHORES?
Can Momentum Realty connect me with an agent for SUNRISE SHORES?
Should you buy in SUNRISE SHORES?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (5 streets, ZIP 33040)) |
| Historical depth | Closed-sale records back to 1998 (73 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.
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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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More Key West & 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.