Sugarloaf Shores (17.0)
Homes for Sale in Sugarloaf Key, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via floridakeys
Sugarloaf Shores sits on Sugarloaf Key in Monroe County, deep in the Florida Keys, where waterfront access and lot position drive pricing more than square footage or finish level alone. The median sale price of $1,417,500 reflects that premium geography — but the -18.4% year-over-year decline signals that buyers have regained meaningful negotiating leverage after a period of elevated pricing. This is not a distressed market; it is a correcting one, and the distinction matters for how both sides should approach a transaction.
At a median of 85.5 days on market and a market heat score of 25, inventory is sitting. Sellers who priced into last cycle's peak are being asked to recalibrate. Buyers benefit from time and choice, but should not mistake a softer market for a uniform discount — condition, canal frontage, and flood zone classification still create wide price variation within the community. The long-term picture remains grounded: values are up 121% since 2012, which reflects the structural scarcity of Keys inventory over time.
Sugarloaf Shores (17.0) right now
🔴 Off the recent peak. The trailing-12-month median ($1.42M) is down 18.4% from the prior 12 months ($1.74M) and up 121% since 2012.Momentum Research, record-level floridakeys closed sales, 12-month windows ending July 27. Confidence: High (28 and 24 sales in the two windows).
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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
Sugarloaf Shores (17.0) market snapshot (as of July 27, 2026): the median sale price is about $1.42M, and a median 86 days on market for closed sales. The trailing-12-month median is down 18% from the prior 12 months and up 121% since 2012, computed from record-level floridakeys closed sales (28 closings in the current window).
Sugarloaf Shores is a waterfront-oriented community on Sugarloaf Key where the scarcity of buildable Keys land and direct water access anchor a median price well above $1.4 million, even as the current cycle shows year-over-year softening. No community amenities are identified in current MLS listings, so the draw here is the location itself — the water, the Keys lifestyle, and the lot.
The setting & the homes.
Aerial and on-site photos of Sugarloaf Shores (17.0). Swipe to explore the community.
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Sugarloaf Shores (17.0)Photos from floridakeys listings in Sugarloaf Shores (17.0); content deemed reliable but not guaranteed.
Who Sugarloaf Shores (17.0) is best for.
Best for
- A buyer with liquid capital well above the $1,417,500 median who wants direct water access and can absorb Keys insurance costs without strain.
- A second-home or vacation-property buyer with a long hold horizon who is not dependent on short-term price appreciation.
- A buyer actively looking to use current market softness to negotiate price or seller concessions on a property that has been sitting.
Probably not for
- A buyer whose budget requires financing up to the limit with little reserve — Keys carrying costs, insurance, and maintenance regularly exceed mainland expectations.
- Anyone expecting to flip or realize a short-term gain; the current year-over-year decline and long days on market argue against a near-term exit strategy.
- A buyer who has not researched flood zone classification and elevation certificate requirements — entering this market without that homework is a meaningful financial risk.
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 ($1.42M) IS the median in the snapshot above, and the move from 2025 ($1.74M) IS the -18.4% one-year change.
Windows contain 18 to 57 sales each (28 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.
Sugarloaf Shores (17.0) Market Scorecard
Sugarloaf Shores (17.0) is currently a balanced market., a median asking price of $1,099,000, and homes go under contract in about 116 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: floridakeys, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in Sugarloaf Shores (17.0)
Live MLS inventory for Sugarloaf Shores (17.0). Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 80 daysTop listing
Active · 516 days
Active · 68 days
Active · 192 days
Active · 33 days
Active · 80 days
Active · 64 days
Active · 118 days
Active · 224 days
Active · 171 days
Active · 238 days
Active · 391 days
Active · 32 days
Active · 154 daysActive and pending Sugarloaf Shores (17.0) listings as of 2026-07-27, priced high to low. Listing data provided by Florida Keys MLS, Inc. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Tap any home to ask about it.
Sugarloaf Shores (17.0) on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from floridakeys. Map data © OpenStreetMap, tiles © CARTO.
The Sugarloaf Shores (17.0) buying strategy.
If we were buying in Sugarloaf Shores (17.0) 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 Sugarloaf Shores (17.0).
What actually moves the needle on price
In Sugarloaf Shores, the single most important pricing variable is water access — specifically, whether a property offers direct canal frontage, ocean access, or a dry lot. Two homes of similar size can carry meaningfully different values based on that one factor alone. Flood zone designation and FEMA elevation requirements add another layer of cost and insurance complexity that buyers must underwrite carefully before committing to a number.
The -18.4% year-over-year price shift, combined with an 85.5-day median days on market and a heat score of just 25, tells a consistent story: this is a buyer's market by most measures. That said, the 121% appreciation since 2012 is a reminder that Keys inventory is genuinely constrained over the long run. Current conditions favor patient, well-capitalized buyers who can negotiate from a position of strength — not buyers who need to close quickly or who are stretching their budget to get here.
The location and the amenities are priced into every listing in Sugarloaf Shores (17.0). 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 Sugarloaf Shores (17.0) 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 (4.6). Basis: Long-Term Appreciation +121% since 2012; Recent Direction -18.4% year-over-year; Pricing Power 91.8% sale-to-list. Refreshed with each data update.
Why work with Momentum here
Sugarloaf Shores is not a market where automated estimates or a quick comp pull will get you to the right number. Lot-by-lot water access, elevation certificates, and insurance cost structures require ground-level analysis — the kind that comes from working the Florida Keys market consistently, not occasionally. Momentum brings that discipline to every transaction: we will tell you when a listing is fairly priced, when it is not, and when a property's carrying costs make the purchase math harder than it looks at first.
Sugarloaf Shores (17.0) 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 Sugarloaf Shores (17.0) 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 Sugarloaf Shores (17.0) sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Sugarloaf Shores (17.0), the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Sugarloaf Shores (17.0) home worth?
Get a no-obligation home value based on real comparable sales in Sugarloaf Shores (17.0), 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 Sugarloaf Shores (17.0)?
How long do homes in Sugarloaf Shores (17.0) take to sell?
Do cash buyers compete in Sugarloaf Shores (17.0)?
Have Sugarloaf Shores (17.0) home prices gone up?
Who is the best real estate agent for Sugarloaf Shores (17.0)?
How do I find a top Sugarloaf Key real estate agent who knows Sugarloaf Shores (17.0)?
Can Momentum Realty connect me with an agent for Sugarloaf Shores (17.0)?
Should you buy in Sugarloaf Shores (17.0)?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | floridakeys, refreshed twice daily (last: July 27, 2026) |
| Community market stats | floridakeys closed sales, 12-month windows ending July 27, 2026 |
| Historical depth | Closed-sale records back to 1997 (591 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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