Florida Keys Real Estate • Florida Keys Real Estate Market • History • Hurricane Conditions • Hurricane Irma • Hurricane Recovery • June 3, 2025

Welcome to the 2025 Hurricane Season: A Look Back at the Florida Keys’ Most Devastating Storms

by Tracy Larson

As the 2025 Atlantic hurricane season officially begins, it’s a sobering time to reflect on the powerful storms that have shaped life in the Florida Keys. For those of us who live and work in this unique island chain, hurricane season isn’t just a date on the calendar—it’s personal. The Keys have weathered some of the strongest storms in recorded history, and these events serve as a powerful reminder of why preparation and resilience are so important.

Below is a deeper look at the three most catastrophic hurricanes to ever impact the Florida Keys:

1. Labor Day Hurricane (1935)

Category: 5
Date: September 2, 1935
Winds: Estimated 185+ mph
Storm Surge: 18–20 feet
Fatalities: 400+

Still considered the strongest hurricane to strike the United States, the 1935 Labor Day Hurricane slammed into the Upper Keys, especially around Islamorada. Winds exceeding 185 mph and a massive storm surge destroyed virtually everything in its path. Hundreds lost their lives, including more than 250 World War I veterans working on the Overseas Highway. The Florida East Coast Railway was so badly damaged it was never rebuilt, marking the end of the Over-Sea Railroad era and the beginning of the Overseas Highway.

2. Hurricane Donna (1960)

Category: 4
Date: September 10, 1960
Winds: 130–140 mph
Storm Surge: Up to 13 feet
Fatalities: 364 (worldwide)

Hurricane Donna swept across the Middle and Lower Keys with fierce winds and a powerful surge, devastating buildings, roads, and marinas. Known for its massive size and long duration, Donna went on to affect the entire East Coast of the United States while maintaining hurricane strength. In the Keys, it left behind flattened structures, sunken boats, and widespread flooding. The storm prompted stronger building codes and shifted how Florida prepared for major hurricanes going forward.

3. Hurricane Irma (2017)

Category: 4
Date: September 10, 2017
Winds: 130 mph at landfall
Storm Surge: 10–12 feet
Fatalities: 92 (U.S.)
Damage: Estimated $50+ billion (U.S. total)

Hurricane Irma made landfall near Cudjoe Key, bringing widespread devastation, especially to the Middle and Lower Keys. Communities like Big Pine Key and Marathon were hit hard, with homes, businesses, and boats wiped out. Evacuations were massive, and the road to recovery took years. Irma’s impact still lingers in the hearts and homes of many residents and served as a stark reminder that even with today’s forecasting technology, nature’s power is humbling.

Looking Ahead: Preparedness is Key

As we move into the 2025 season, these storms remind us of the importance of readiness. Now is the time to review your evacuation plans, check your insurance coverage, and reinforce your home. For new residents, talk to neighbors or local professionals about how best to prepare for the unique challenges of living in the Keys.

Let’s enter this season with awareness, caution, and community strength. The storms of the past have taught us hard lessons—but they’ve also shown us just how resilient the Florida Keys can be.

Stay safe, stay informed—and remember, preparation is everything.

Let me know if you’d like to add a call to action, like signing up for a hurricane preparedness checklist or a local newsletter.

Florida Keys • Florida Keys Real Estate • Key Largo • new listings • Property Spotlight • June 2, 2025

New Listings This Week + Featured Spotlight at Mariner’s Club, Key Largo

by Tracy Larson

As we roll into a new week here in the beautiful Florida Keys, I’m excited to share some fantastic new listings that just hit the market! Whether you’re searching for a full-time residence, a second home, or a smart investment property, there are some exceptional opportunities available right now.

Featured Property Spotlight: Resort-Style Living at Mariner’s Club, Key Largo

One standout from last week’s listings is a rare and stunning waterfront condo located in the highly sought-after Mariner’s Club in Key Largo. This gorgeous three-bedroom, two-and-a-half-bath unit is single-level and fully furnished—ready for you to move in and start enjoying the Keys lifestyle right away.

From the moment you walk in, you’re greeted with sweeping views of the deep-water marina and the Atlantic Oceanbeyond. High ceilings and open living spaces create a bright and airy feel, perfect for relaxing or entertaining. The condo features impact windows and doors, an upgraded A/C system designed to reduce dust and mold, and a thoughtfully designed layout with two convenient entrances—ideal for those who prefer to avoid stairs.

Step outside to your private lanai, and you’re just feet away from the marina, where dockage is available for owners or guests. Pet-friendly for owners and long-term renters, this home is also rental-ready with no minimum rental restrictions, making it an outstanding income-generating opportunity.

Mariner’s Club is one of the Florida Keys’ premier gated communities, offering resort-style amenities like:

Two sparkling swimming pools
Hot tubs and lush tropical landscaping
A well-equipped fitness center
Tennis and pickleball courts
24-hour manned security gate

Plus, the location offers immediate ocean access, perfect for boating, fishing, and diving enthusiasts.

This property truly combines the best of both worlds: a relaxing retreat with serious rental income potential. If you’re looking for a luxurious, turnkey home in the Keys with unmatched amenities and a world-class marina right outside your door, this one is a must-see.

Want to schedule a private showing or learn more about this and other new listings? I’m here to help—reach out anytime!

Click here for more information on the new listings

Concrete Construction • Florida Keys Real Estate • Home Buying • Key Largo • Property Spotlight • May 30, 2025

Why I Love 1019 Snapper Lane in Key Largo

by Tracy Larson

Every once in a while, I come across a home that I can’t stop thinking about—and 1019 Snapper Lane is one of those homes. From the moment I saw it on the MLS, I knew this place was something special. It checks so many boxes for anyone looking to enjoy life in the Florida Keys, whether you’re planning to live here full-time or just want a relaxing island getaway.

Let me tell you why I love it—and why I think you will, too.

A Great Spot in the Upper Keys

Location is everything, and this home is in an awesome neighborhood tucked between Key Largo and Tavernier. That means you’re close to everything—shops, restaurants, schools, parks, and the water—without being in the thick of it. It’s the best of both worlds. US-1 is just around the corner, giving you quick access to wherever you need to go.

The Home Itself? Beautiful.

This is a well-built 3-bedroom, 3-bath stilt home, and everything is all on one level. That’s not always easy to find in the Keys. Inside, you’ll find beautiful tile flooring throughout, and the whole space feels open, clean, and comfortable. The kitchen is a standout with granite countertops, stainless steel appliances, and custom cabinets—plus some really nice decorator blinds and shades that give the home a polished feel.

One of my favorite features? The wraparound balcony. It’s ceramic-tiled and has stairs for easy access, making it perfect for catching the breeze or relaxing with a good book. There’s also a screened-in front porch that feels like your own little hideaway.

Thoughtfully Designed Bedrooms

The primary suite is so inviting. It has French doors that open to a private balcony overlooking lush tropical landscaping—a perfect retreat at the end of the day. One of the guest bedrooms even has its own en suite bath, which is great if you have friends or family visiting.

Built to Last

This home was built with durability in mind: poured concrete foundation, concrete beams and columns, CBS construction, and all impact-rated windows and doors. It’s solid, safe, and ready for island living.

Outdoor Perks

You’ll love the tropical backyard oasis. Whether you’re entertaining or just relaxing under the palms, it’s a beautiful space. Downstairs, there’s also a large area for storage and even a workshop if you’re handy or just need a place to keep your gear.

Love the water? You’re in luck—there’s a small vessel launch just a street away, perfect for paddleboarding or kayaking. And for larger boats, Mike Forester Memorial Park is nearby with easy bayside access.

Everything You Need, Close By

One of the things I love about this area is how convenient everything is. You’re close to gyms, the biking and walking trail, restaurants, and grocery stores. Just five miles down the road, you’ll find Key Largo Park, with pickleball courts, tennis, basketball, baseball fields, and even the Jacobs Aquatic Center. There’s something for everyone.

And here’s a bonus: the current flood insurance is just $592/year—and it’s assumable. That’s a major win for buyers in the Keys.

Final Thoughts

If you’re looking for a move-in ready home that’s stylish, solid, and in a great location, 1019 Snapper Lane deserves a serious look. I truly love everything about it—and I’d be happy to show it to you.

Give me a call to learn more. Let’s find your perfect piece of paradise. Click here to learn more about this wonderful property.

Listing information provided courtesy of Claudette Mell, Berkshire Hathaway Home Services

Buying • Condominiums • Florida Keys Real Estate • Florida Keys Real Estate Market • Florida Keys Rentals • Key Largo • Property Spotlight • Tamarind Bay • May 28, 2025

Spotlight on Tamarind Bay Club – Unit B204 Listed at $699,000

by Tracy Larson

Welcome to Unit B204 at Tamarind Bay Club—one of my favorite communities in Key Largo. The views here are truly stunning. Watch boats cruise by on Blackwater Sound or catch a classic Florida Keys sunset right from your 30-foot terrace—or even your sofa!

This is a corner unit with an open layout that’s perfect for relaxing or entertaining. It offers 2 bedrooms and 2 bathrooms and was remodeled in 2018. You’ll love the tile floors throughout, stainless steel appliances, granite countertops, and impact windows and sliders.

There are two terraces to enjoy the fresh air, plus a dry bar—perfect for happy hour at home. The unit also features two walk-in closets and custom zebra blinds that are electric and remote-controlled for convenience.

Tamarind Bay Club is a gated community with lush, tropical landscaping. It’s great for boaters too, with a protected canal, dockage, boat ramp, and storage. Ocean access is easy, with Adams Cut just a mile away.

Amenities here are top-notch. You’ll find two bayfront pools, lighted tennis and pickleball courts, BBQ grills, and a peaceful bayfront gazebo—perfect for unwinding any day of the week.

Not ready to buy yet? This unit is also available for a long-term rental at $4,000/month. Enjoy the lifestyle while you plan your next move!

Click here for more information and photos.

Listing information provided courtesy of Claudette Mell, Berkshire Hathaway Home Services

buying advice • Florida Keys • Florida Keys Real Estate • Florida Keys Real Estate Market • new listings • May 27, 2025

75 New Listings in the Florida Keys! Is Your Dream Home Among Them?

by Tracy Larson

If you’re thinking about buying in the Florida Keys, now’s a great time to start looking. 75 new homes came on the market just last week!

From canal-front homes to island cottages, there’s a wide mix out there. Some are ready to move in. Others are perfect for fixing up just the way you like. Whether you’re looking in Key Largo, Marathon, or Key West, there’s something for every style and budget.

Even if you’re just getting started, browsing now can help. You’ll get a feel for prices, styles, and locations. That way, when the right home comes along, you’ll be ready.

Tips for Buying in the Keys:

Know what you need. Do you want water access? A boat lift? A big yard? Make a list of your must-haves.
Get pre-approved. This helps you shop smarter. It also shows sellers you’re serious.
Ask about flood zones and insurance. These are important here in the Keys. I can explain what it all means.
Don’t rush. With 76 new homes this week alone, there’s plenty to see. Take your time to find the right one.

Buying a home in the Keys isn’t just about real estate. It’s about a way of life. Quiet mornings, salty air, and that laid-back island feel—it’s all part of the deal.

If you want to see the newest listings, or just talk about your options, I’m here to help. Send me a message or give me a call anytime.

Click here to see the new listings

American Dream • buying advice • Construction • fema • flood zones • Florida Keys Real Estate • Home Buying • inspections • May 22, 2025

5 Essential Tips for Buying Property in the Florida Keys

by Tracy Larson

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.

Buying • Florida Keys Real Estate • Florida Keys Real Estate Market • Recent Sales • Sold Listings • May 21, 2025

🌴 Florida Keys Real Estate: 32 Homes Sold Between May 11–17, 2025

by Tracy Larson

The allure of island living remains strong as 32 homes were sold across the Florida Keys from May 11 to May 17, 2025. This week’s closings showcase the exceptional range of lifestyle options available in our tropical paradise—from quaint historic charm to grand coastal luxury.

🏡 From Key West Cottages to Oceanfront Estates

This past week’s sales included a wide variety of properties that capture the essence of the Keys lifestyle:

Conch Cottages in Key West
Steeped in character and rich in history, several conch-style homes found new owners. These beloved cottages—often just steps from world-famous Duval Street—offer timeless charm with modern upgrades and a walkable island lifestyle.
Oceanfront Luxury on Big Torch Key
On the other end of the spectrum, a breathtaking oceanfront estate on Big Torch Key closed this week. With expansive views, private docks, and serene surroundings, this kind of property represents the pinnacle of waterfront living in the Lower Keys.
Something for Every Buyer
Whether you’re seeking a vacation home, investment property, or a full-time island residence, the mix of homes sold this week reflects the diversity of opportunities across the Keys. There’s truly something here for everyone.

💬 Thinking About Buying in the Keys?

Now is a great time to consider making your move:

The recent closings prove that buyers are acting, and the right property doesn’t stay on the market long.
From Old Town charm to secluded island estates, every corner of the Keys offers its own unique lifestyle and appeal.
Local expertise matters. Partnering with an experienced real estate professional who knows the neighborhoods, regulations, and hidden gems can make all the difference.

Ready to start your own Florida Keys real estate journey? Whether you dream of conch cottage mornings or sunset sails from your private dock, let’s find the home that fits your island vision.

Click here to see what sold.

Featured Listing • Florida Keys Real Estate • Florida Keys Real Estate Market • Island Living • new listings • May 19, 2025

New to Market: Key Largo Listings You Don’t Want to Miss!

by Tracy Larson

Looking for a fresh start in the Florida Keys? Several exciting homes just hit the market last week. One in particular stands out—and it’s ready to impress.

🌴 Featured Listing: 122 South Bay Harbor Drive, Key Largo

Welcome to a beautifully remodeled concrete home with a breezy, coastal feel. This 3-bedroom, 2-bath property is in one of Key Largo’s most sought-after neighborhoods.

Just steps away, you’ll find one of the best homeowner’s parks in the Upper Keys. Here, residents enjoy wet and dry boat storage, a protected boat basin with ramp, a covered picnic pavilion, and a wide sandy beach. It’s perfect for boating, relaxing, or spending the day with friends and family.

Step inside and you’ll notice the open-concept layout right away. The living area flows into a bright, modern kitchen. It features a 48” 7-burner gas range, quartz countertops, and quality finishes throughout. Cooking and entertaining are a breeze.

This home also includes many important upgrades. There are impact windows and doors, custom wood plantation shutters, and a newer A/C. The fenced yard offers privacy, while low-maintenance landscaping keeps things simple. You’ll also find ample parking for cars, boats, or guests.

Need space to work from home? You’re covered. The large laundry room has a built-in desk and cabinetry—a great spot for a home office.

Outdoor living is just as inviting. The tiki hut comes with electricity, a ceiling fan, and a TV. It’s a great place to relax, dine, or watch the game. There’s also a detached storage building, perfect for gear, tools, or weekend toys.

This home offers it all—style, comfort, and location. It’s rare to find a property with so much to offer in such a prime area.

Want to schedule a private showing? Reach out anytime for more details.

Featured listing information courtesy of Lisa Frins, Berkshire Hathaway Home Services

Anchor Condos • Buying • Condominiums • Featured Listing • Florida Bay • Florida Keys Real Estate • Florida Keys Real Estate Market • May 16, 2025

Discover a Hidden Gem on the Bay – Anchor Condominium in Tavernier

by Tracy Larson

If you’ve been dreaming of an affordable waterfront getaway in the Florida Keys, look no further than Anchor Condominium — a quiet, tucked-away treasure on the bay in beautiful Tavernier.

Introducing Unit 108 at Anchor Condominium in Tavernier offered for sale at $325,000 (Click for more photos and information)

This ground-floor one-bedroom, one-bath condo is surprisingly spacious and full of potential, offering a peek at the bay right from the bedroom. Whether you’re looking for a full-time home, a part-time retreat, or an investment property, this condo checks all the boxes.

Anchor Condominium is a smaller, more intimate complex — perfect for those who value peace and quiet. Residents enjoy access to a variety of amenities, including a sunset viewing deck, a beach area, kayak storage with a convenient launch pad, and boat slips (available on a waitlist). And with immediate access to both the bay and ocean via nearby Tavernier Creek, your on-the-water adventures are always just moments away.

The 15-day minimum rental period provides flexibility without the intensity of short-term vacation turnover, and the low HOA fee (which includes insurance) makes ownership even more appealing.

Located in the heart of Tavernier, you’re just minutes from local shopping, dining, marinas, and everything else the Upper Keys lifestyle has to offer.

Whether you’re looking for a peaceful weekend escape or a cozy year-round residence, Anchor Condominium might be the opportunity you’ve been waiting for. Come experience the charm and convenience of life by the bay — before someone else does.

Listing information provided by Wiebke Westedt of LoKation Real Estate

appraisals • Building Permits • Construction • Florida Keys Real Estate • homeownership • inspections • Property Taxes • property values • real estate appraisals • May 14, 2025

Renovating Your Florida Keys Home? Watch Out for Higher Property Taxes

by Tracy Larson

Thinking About a Big Renovation?

Renovating your home can be exciting. You get to improve your living space, boost your home’s value, and enjoy modern updates. But before you start, there’s something important to keep in mind: your property taxes may go up.

A recent article from Realtor.com explains how big home improvements can lead to bigger tax bills in Florida. And if you live in the Florida Keys, this matters even more.

How Property Taxes Work in Florida

In Florida, your property tax is based on the assessed value of your home. Each year, the county property appraiser updates this value. If the value goes up, your taxes might, too.

If you live in your home full-time, you may have the Homestead Exemption. This helps lower your taxable value. You also get a benefit called Save Our Homes, which caps yearly increases in assessed value to 3% (or less, depending on inflation).

However, here’s the catch: these limits don’t apply to new improvements. So if you add something big to your home, your taxes can jump.

What Types of Renovations Could Raise Your Taxes?

Not every project will affect your tax bill. But some common upgrades often do, such as:

Adding more square footage
Building a guest house or detached garage
Putting in a pool or outdoor kitchen
Doing major kitchen or bathroom remodels
Upgrading the structure or layout of your home

These improvements usually increase your home’s market value—and your assessed value with it.

Why This Matters More in the Florida Keys

Living in the Florida Keys comes with some unique factors:

High property values: Even small changes can result in large tax increases.
Tight county budgets: Monroe County depends heavily on property taxes to fund services.
Strict rules: Environmental and zoning regulations may already make renovations more expensive and time-consuming.

That means when you do improve your home, you’re more likely to see those changes reflected in your tax bill.

How to Plan Ahead

Before starting a major renovation, here are a few tips:

Talk to the county appraiser: Ask how your project could affect your tax bill.
Review your Homestead Exemption: Make sure you’ve applied if your home is your primary residence.
Budget for the long term: Include possible tax increases in your planning—not just construction costs.
Keep good records: Document what was added versus what was repaired. Not all upgrades affect taxes equally.

Final Thoughts

Improving your Florida Keys home can be a great investment. Just make sure you understand the full cost. A higher property tax bill might come with the new pool, kitchen, or guest house.

By planning ahead, you can make smart renovation choices—and avoid unwanted surprises later.

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