5 Essential Tips for Buying Property in the Florida Keys

Buying property in the Florida Keys is a dream for many. Between the turquoise water, laid-back lifestyle, and year-round sunshine, it’s easy to see why. But before you jump into the island market, there are some important things to keep in mind.

As a longtime Realtor and Keys resident, I’ve helped buyers navigate the ins and outs of purchasing island property. Here are five helpful tips to guide you on your journey:

1. Know Your Flood Zone and Insurance Needs

First things first: every home in the Keys is in or near a flood zone. This affects your insurance rates and your ability to finance the property. Homes that are built on stilts or elevated foundations usually cost less to insure.

Before making an offer, ask your Realtor to check the flood zone and get an insurance quote. This step can save you surprises down the line.

2. Understand Local Building Rules and Permit Limits

Next, it’s important to know that the Keys have strict building codes. These protect homes from storms and flooding but also make renovations more complicated. If you’re thinking about remodeling or expanding, you’ll need to work within Monroe County’s permit rules.

Properties that are already up to current building standards are often the easiest to manage—and can give you peace of mind.

3. Check the Boating Access

If you’re a boater, you’ll want to pay close attention to how easy it is to get on the water. Not all waterfront homes have the same kind of access.

Ask yourself: Is the canal deep enough for your boat? Are there bridges that limit height? How close is it to open water?
Homes near channels like Tavernier Creek or Snake Creek tend to offer the quickest and easiest access to both the ocean and bay.

4. Think About Long-Term Maintenance

Island weather is beautiful—but it’s also tough on buildings. Salt air, humidity, and wind mean more upkeep than homes on the mainland.

Look for homes with concrete construction, impact windows, and newer roofs. These features stand up better over time and can lower repair costs. Be sure to set aside a maintenance budget—it’s part of owning in paradise.

5. Work with a Local Realtor

Finally, this tip may be the most important: choose a Realtor who lives and works in the Keys. Local knowledge is everything here.

From understanding ROGO (Rate of Growth Ordinance) permits to knowing which neighborhoods suit your needs, a local expert can help you avoid mistakes and find the right fit faster. I’ve lived in the Keys since 1987 and serve buyers from Key Largo to Key West—so if you’re ready to begin, I’m here to help.

In Summary
Buying a home in the Florida Keys isn’t just about real estate—it’s about lifestyle. With the right planning and guidance, you can make a smart investment and start enjoying life in one of the most beautiful places on earth.

Ready to start your search? Let’s talk about what you’re looking for and find the perfect island home together.